Why The IRS Is About To Set Off A New Wave Of Jinglemail

``While speeding up the debt relief process for some, the form is likely to wake up many Americans to the fact that refinancing is not an option. Some will refuse to share their tax history with the bank. Some will realize they earn too little to qualify for debt relief; and others will realize they earn too much. The last group will be the most likely to default, as these are middle class Americans who finally recognize that their over-ambitious mortgage is costing more than it's worth. ''