Thank you Mr. Knowitall,
And I understand that we should have paid the note, but I'm a stay at home mom and my husband lost his job, unforseen. But we attempted to get a loan modification. We don't care about "suing for the house" as the mortgage company has stated they are going to attempt to do. We simply wanted a second chance. I'm minoring in diagnostic sonography and majoring in psychology, and don't have much longer to go. And my husband is back working steadily so I know that we can do a much better job a second time around. Thank you for your advice I really appreciate it.

