So, now I have to break the news that this is going to take time. (which btw I have in the agreement) She is going to be royally p*ssed and of course it's all gonna be my fault.
Those are the consequences of her actions, not yours.
DO what you must do to save your house......even if it does take a long long time.
There is no need to break the news to her either. A simple "I'm taking care of it" will suffice.
Less words spoken/written are better. You have nothing to explain to her anymore.
Change the Policy. Allow PM's Free all of us.
Also some new and improved emoticons would be nice!