Good morning, Mr. xxxxx.

I left a package for you at the front desk yesterday afternoon.

The primary lender on 510  has officially filed foreclosure. Please file the necessary forms to reply for this property. Again, I will not contest the foreclosure. The property is vacant, but I am maintaining the water and electricity and lawn maintenance until the property officially leaves my name.

You  have filed forms for me on 3C  earlier. I received notice of that.

Have you filed forms for 14AD  as well? That notice was with the same notice paperwork as 3C but I have not received any confirmation for 14AD.

For the second mortgage on 510 and the line of equity on 3C, these will be filing suits against me shortly if not already. What should I expect from these? Will they be able to seize my checking account, savings account and stock holdings?

When should I expect wages to be garnished and how is that calculated?

You and I have talked about bankruptcy in the past but decided that we would wait until at most the end of the year to decide. We had discussed that I would have to file Chapter 13 since I made too much money. With all of these lawsuits and possible garnishments, should I look at quitting my job and file chapter 7 bankruptcy? Chapter 13 was very unappealing in having to setup a payment plan for seven years on property that went back to the banks anyway.

Thanks for helping on all of these issues.

Noah