Thanks you guys, for the help. Thank you Shana, that makes a lot of sense! So she and the bank have to both agree to do this. Wow. She has not told her husband yet. I think she just got a letter this past Friday or yesterday. SHe's really freaked out, upset. SHe mentioned having to write a letter of hardship. Well, what to do though, if your credit is already ruined? And hers is, from what she tells me. So it looks like the house WILL be sold after all? Man, her DH is gonna KILL her. No wonder she's been losing weight like crazy lately. We knew something was wrong, but we didn't know it was this bad.