We finally ended up renting out our house for a couple of years, hoping for the market to improve, which it never did, so we just took an incredible beating on the price and moved on with our lives.

Cathy--I think that you have displayed an incredible amount of poise in describing your experience. I think that most people who had suffered a similar experience would be much more angry in their description of the events. Obviously, the original problem was your fault, but you dealt with the experience as well as anyone could expect.