I emailed H last night to ask to see if he faxed the authorization form so I could talk to the mortgage company. He emails me back today: i thought it over and i am not sending it. First i am not sure what it even means from a legal standpoint. Second we have so many issues to work out this is just one more that can be dealt with at mediation once the kids are tested. I emailed back I think by mediation the foreclosure will have already happened so nothing to discuss at that point, and if he agreed the authorization I could find out by talking to the mortgage company how he would be affected by the bankruptcy. I said thanks for letting me know. (Do you think he knows I think he's a complete azz???) Karen