The first question I always ask our underwater clients is a very simple one. What do you WANT to do? Do you want to stay and try to slug it out or do you want to leave? Once I know that it is very simple and striaght forward to give them their best options. I have this conversation with people almost daily and sometimes several times in a single day. I could do it in my sleep. Not that I’m looking for any Riverside County business (I really try to avoid it if I can now). I find the agents there as immoral and incompetent as any I’ve run into in SoCal but I’d be happy to run through it with you. NO cost, no obligation, just information from someone whose been through this more times the last couple years than I could begin to count.