If there has been any difficult dealings with a borrower, obviously they aren't going there, but initially there is usually a good relationship and both bank and borrower want a solution.

Hi William -What are the seller's solutions?

Obviously this isn't the case, but I feel like I'm not trying my hardest to come up with a creative solution when I can't make it work.

So talking to people and finding solutions is not an issue.

Because a tenant's solution to any little problem is to buy a new one.I can't even tell you how many times a tenant has told me that something has to be replaced, and I go over there and press a reset button or reset a circuit breaker and the thing works perfectly.On an electric oven, the most likely failure is a heat coil, $30 at the very most, and 1-5 minutes to install the new one.On a gas oven it isn't likely to be anything but a blocked orifice or a bad thermo-couple (What?

HerringVendor ManagementTransUnion Settlement Solutions, Inc.8215 Forest Point Blvd.Suite 100Charlotte, NC 28273-5668Tel: [email protected] www.transunionssi.com -- Dawn

I realize this is only a partial solution, but something as important as a mortgage may be better left to the ones actually holding the note.

They have a solution too.....but I'm going to let Chris Rock say it.

There is a tendency to broad stroke a "universal" solution when depending on various factors; geography, competitors and market conditions, create isolated results.

If anyone has had similar problems or knows solutions to any of these please let me know.