Hi patorak! Thanks for the invite sweetie :) I hope it never comes to that, I cannot even fathom the loss of our beloved home.  We have a dog, cat and nine birds...it just scares me, it really does.  We are trying to work things out, but what drives us crazy is since we aren't involved in the ARM type mortgage, we are but one of many, many families that are experiencing trouble they never thought they would see and falling through the cracks in this mess.

Joe, I wish I could be of more help to you, I really do. My heart goes out to you. If you need to talk, or anything pm me I'm around almost all the time.

JB, that story is also true of not only New Orleans now, but the whole country unfortunately.  I no longer know what the answer is anymore, but they better figure something out quick.