[Woodland Hills Worrier]

LHarvey Madman, just reviewed your post. Thanks for the info. I sent off pay stubs and a letter yesterday to Countrywide Home Retention. Regarding the re-fi in 2006 we put most of the money into home improvement and re-structuring debt. Neg. Am payments were part of plan to reduce debt and prepare ground work for refinancing Jan 2009. I calculate another year or so before I hit 115% of loan and am forced into full payment. Wonder what strategy is best. Meanwhile waiting to hear what Obama is planning to do. Will bankruptcy judges be able to adjust prinicipal. That would be my biggest hope. That way I could possibly deal with 2nd home improvement mortgage. I know it is very difficulty to predictd the future, but it seems something must be done on a national level without the control of the bankers or things will soon be beyond control.