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Great Info Lenn. My you are dedicated - Posting on Christmas Day! (Of course here I am commenting).
It's a bit sad that so many homes are being foreclosed on during the holidays; but from what I read; many homeowners could stop or at least delay foreclosure if they would just communicate with their bank/lender. They say (whomever "they" are) say many folks are so afraid they avoid contact with their lender - hoping they will go away.