Hi everyone...Tom Eason's info has been awesome on settling with seconds. My question is...I have not paid on second for almost two years. It is completely underwater. I have money set aside to settle for ten percent. But the woman I spoke with today told me she could modify the second, since the first is getting modified, for one percent. Should I keep my money and simply modify it, or is it worth it to settle? I hate to give up that chunk of change in case my family needs it...weighing options. Would appreciate feedback from the knowledgeable people around here!