[Radiance]

Actually I don't know how ethical is renting now with "good credit" on record knowing that it will be destroyed in a couple of months.

Morality is a weird thing. I have done some heavy praying and I am leaning towards staying on the house. It will empower me to actuallt pay everybody back, unsecured debt, car loan and the mortgage deficiency.

Who knows, maybe now that I will unfortunatelly be late the bank will turn around and approve hardship again. I did submit a letter of appeal to their decision as requested by them. I estimate that will have a response in 30 days.

I estimate I will be out of everything in 7 years. My son will be 8 by then, wow. Better then than later.