I am not an attorney and I am not engaged in rendering legal advice. My intention is to do no harm. It’s my opinion and advice, not counsel. I’m just one of many homeowners in my quest for the exit from this mortgage mess we found ourselves in. Everything I say is based on my own experience or on the experience of people who shared their stories with me. I am not responsible as an “expert” and for what you do with my advice and knowledge. I cannot tell you which direction to take, but I can share my story with you to show that we are not alone in these struggles.