My impression is that we've bottomed out but I cant imagine that we will see much improvement in employment and or home prices for the next year or so.

I can't imagine what life would be like if my wife died.

In some more liberal states, I can see some penalty, maybe based on any deficiency amounts sought by the lender, maybe for a few days of being out of the house earlier than they would have been and maybe a hassel factor.In some states, I would imagine that the state would move in, fine the lender and keep the money for the state and the borrower would receive nothing, as is customary in Missouri.

I'd imagine your attorney has a template you can use.

I can't imagine what that would have cost him.

Plus I have been doing repairs (hanging security screens, replacing doors, light plumbing, paint etc) as well as being on call and arranging tradesmen for stuff I can't fix.We've been friends for a long time but this is putting a strain on things as you can imagine--how would some of you approach this?

Great to meet you Warren,Can't imagine living with that much heat.

I imagine that many walls and floors will have to be removed, and I am comfortable with that.

It is hard for me to imagine people having better credit than they do.850 is the limit, but my suspicion is that things get much harder as you approach that limit.

Charles -Is it accurate to say that if you're not planning to take a deduction for something you purchased, that you're won't have to issue a 1099.For example, I deduct vehicle expenses based on mileage, not actual costs, so I imagine I wouldn't have to issue 1099s to my mechanic or the gas stations where I buy gas.Is this correct?