i think your are being very smart in your decision . it seems well thought out and your reasons are good. the others are almost sentimental, yours are long term end result, we tried chapt 13 and still almost lost this house if you can recoop enough to save your BACON I say do cause thats what we are doing here we got control of our house again fixing it up repairing and get the money aspect back in our favor we are selling. yes it will kill me my babies grew up here broke bones here played here but part of it is moving on



walks away singing .... i'll follow the sun.........