Hey FIB, just one thing for you today. Settling does not mean bending over and taking it without lube or anything. You can settle without getting screwed. Do not give up $50k equity to settle a $17k debt. You can always ask for the judge to order a short sale of the house and pay her the 17K out of the proceeds.
I am just saying, don't settle for less than you have to just to avoid a 17k payment. It's workable.
