[anywho]

Thanks for the suggestions, ***.

I have been holding off on the first call to Loss Mitagation, wanting to better understand my range of options first, in case that initial call turned in to the opening negotiation. With a few options here, I wanted to have my goal more clearly defined before proceeding. Interestingly enough a friend just offered that I might want to inquire about having them combining the two loans in to one, in order to prevent a future collections possibility on the 2nd lien. GMAC sent a letter last week to advise me that my line of credit was cut off; which they could choose to re-open, but as you point out , seems a remote possibility at this point, which leaves me to weight the merits of living in a torn up home trying to come up with funds for each phase of the construction, which could be a several year process. It really is depressing having to live in a construction site.