Hi Cheryl,I have over 20 years experience in the industry and during the last 4 yeasrs I have become conpletely disgusted by the illegal lending activities.  I have recently filed a lawsuit against many of the unconscionable lenders and other market participants.  These people are no better than drug dealers and the law should treat them accordingly.  Who is your lender?  Like drug dealers we need to go after the king pins to really make a difference!