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I already know that! I came to this forum for some expert advice. Can anyone answer my questions in my original post? I really am desperate and I'm seeking some legitimate advice.

My husband was transferred to TN in 2004. We sold a house in OH on land contract. The buyers backed out in Dec. 2006. I called the mortgage company in OH and asked for reduced interest-only payments. They refused, gave us an offer and made it VERY clear that it was our only option. The...