[maureeng]

Thanks for your response. I did speak to an atty and he recommended for us to do a forebearance and give them some small amt of money and what they might do his let us keep our house with the payments as they were and a repayment plan for the back mortgage we owe or put it on the back of the loan. The problem is taking over the same amt of payment is so stressful for us and i dont think we could do it. however, his suggestion is then we should then try and do a short sale- anything but foreclosure. He wasnt sure about the forgiven part. - a friend realtor told me that today. I will call another atty on Monday. thanks