1. A Lawyer 2. A Loan Officer What do you think? We could get some very valuable perspectives from either or both. A lawyer (especially a credit attorney) could give us some insight into what's legal and what will or won't work. A loan officer could tell us what will or won't help or hurt us creditwise. I don't happen to know any lawyers or loan officers, but I wish I did. Anybody know someone who would be willing to assist? For all it's worth, I'm a computer repair/networking tech and I'm willing to help any of you in that regard.