In any case, my apologies for how you took it.

Classic apology for asking something that I’m sure has been asked before, but I can’t find it so that’s okay. 

Apologies if this is the wrong sub-forum - please move if needed?

If they are honest and decent, they will apologize for the "oversight" and be willing to do a change order or go back and honor the contract.

Best case scenario the OP gets an apology which won't be sincere or life changing for the contractor.

Ditto to what Paul said above...And I apologize if I've been overly harsh...there's a lot to learn in this business, and if you focus on not making the same mistakes twice, you'll do better than 99% of the RE professionals I've met...It sounds like you'll end up in that good 1%

I apologize for my error - I was referring to the 59.5 early distribution penalty.

Yes maybe I didn't do enough research and for that I apologize, promise I'll do better next time.  

OK Josh... you inspired this: http://flippingriverside.wordpress.com/Apologies in advance if that was "advertising", just wanted to show Josh that he caused at least one person to take action.

I had offered her 20k, but there's the HELOC issue...So, (and I apologize if this seems like a stupid question) can a short-sale be done in this situation?