I am still looking for a local group to join, but it seems people like to sit behind the computers and be anonymous so will not hold my breath thinking I will find a local group to join in WA.

If you are hoping for a fiscal conservative to take office, I wouldn't hold your breathe.

Yep Steve pretty much nailed it.After the consumer files a BK they have now bought months and months of time even if the plan isn't confirmed.They breathe a sign of relief and could care less about you the investor.Where the money lies is to keep tracking them on the Fed BK site and look for a motion to dismiss the case or a relief from stay filing on the house.You can get to them early this way as it takes a few weeks to a month to process out the request,the file to come out of the bank BK department,and foreclosure proceedings to start again.I do not know this person hucking a system but it is usually the same knowledge recast with a fancy name to believe it is different.

I am almost ready to jump in with both feet.. just pausing for a deep breath before the leap.  

As far as america is concerned until you are 18 you get to eat, breathe, and go to school but not much more.

There should be no reason you wait with bated breath hoping someone doesn't pay so you can kick them out - you should already have the mechanisms in place to do it for the reasons you really care about if you need to.

It might cost me a half a point or so, but gives more breathing room.

But deep breaths and I'm going to do better next time.

Thought the "specialists" would have hazmat suits, breathing apparatus, etc.

All represented parties at the table (negotiations) must reach an agreement, and as you can imagine, one persons idea of "fair compensation/settlement" is not going to be what the paying side will likely agree with initially, so that creates a lot of back and forth in negotiations.Take a deep breath and good luck.