I second and third all the comments above.

If you don't know this company or what they do, where do you stand to make this comment?

Any and ALL comments and advice would be appreciated.

To update my December 4 comment: The filing requirement is back on as of December 23, after an appellate court ruling.

The posts might be seen more if we also posted comments under his latest “broadcast” post.  

He then laid tile so badly that everyone who walked into the house couldn’t help commenting on it.

@Henry Clark See comment and question above.

I think @John Burke's comments speak to that.

The problem (as you have cited) is trying to understand what you need (you don't know what you don't know), where to get it, qualifying its source(s), and the validity and usefulness of all that.Pardon me if I've gone into this too much, but I meet many people with the same concerns that you are voicing and this is offered, as much as possible in direct response to your post.Please feel free to contact me if you have any comments or questions. 

They stated that they were not a lawyer so they couldn't comment on the legalities of my question and they still worked for the bank so they couldn't give me any more info without losing their job but assured me that I was on the right track, keeping asking these questions and don't stop until you find your answer.