[Believe]

Hello Slim and everyone else. I really appreciate this thread and all of your comments. We spend day after day discussing the technical aspects of loan modification, and skip past the emotional part, mostly because we're on a mission to avoid foreclosure and there's no time for anything else. Out of necessity, I've stopped paying the mortgage as of 10/1, so now there will be enough money left from my paycheck to afford an occasional dinner at a restaurant, and you better believe I'm going to do it. I've lived in this bank-imposed he!! long enough, and I'm going to try to enjoy life again, no matter what happens to the house.