Lets also not forget, the Lender's have the choice to challenge anything that comes up in a bankruptcy hearing. Now, maybe its cause it wasn't $100k that I was dealing with and that's small change to them, but not one Lender challenged any part of our case. Made it a nice and easy process. But if they felt as strongly as LT does and that they were the ones being wronged in this process, they could have taken matters into their own hands. Since they didn't (and often times don't), don't complain to me about someone else using this method.