[Catherine]

Yes, thank you Professor Shays for easing that major concern of this outcome. I was hoping not to be forced to file a B/K unless that would make the investors change their tune?? I wish I knew who they were. Being I have not been able to afford the adjusted payment since November foreclosure is soon to follow unless I can contact the right people that could possibly change this. I honestly do not understand the numbers they run. All I know is I make a little over 4 grand bring home and my husband has 18 hundred a month unemployment at worst case. I can commit to 2k a month including taxes and get the life I had back. If you would be so kind to suggest a direction or from what I have read I respect the fact you will be straight with me so do I give up trying? Accept the fact we will lose our home. It's just a matter of time. That should be my only focus? Save for a fifth wheel to leave here with a roof over our heads? Take care of you too, Catherine