poway, don’t take it the wrong way, but just because I didn’t respond doesn’t mean I didn’t meet up with him. That law firm is currently assisting me with a small claims issue. as for the eviction issue, he’s not going to be able to help me until the actual NOD gets filed. What was briefly stated was the offer to fight the eviction if the bank actually takes over the property. what was NOT said was an eviction filing of the said address may damage my credit report significantly. right now the owner (who is in default but has not had the NOD officially filed) is trying to obtain refinancing for the property. all the power to him and I hope he is successful in delaying the inevitable, at least for a year.