[imacamper]

Thank you both for your insights. In your experiences, do you have any insight as to if offering to settle for less or trying to extend the repayment terms to ten or fifteen years would be a good or bad move? On the one hand, there's the old "It can't hurt to ask." but on the other, I don't want to make them take a harder stance because I ask. I understand that any opinion is not legal advice and I will seek the advice of an attorney on Monday. It's just at this point I am soliciting all opinions.

Thanks again,

Ima