My feeling is that my life is worth a helluva lot more than 15k. I wouldn't be thrilled, but if that is the price tag for keeping on breathing, I'd rather live to make the payments than be dead and debt free. It is unfortunate that we have this kind of stuff going on, rescue should be free, but I can understand completely if it is a private property unnecessary risk type situation. I just hope that my 15k goes towards rescuing the next sorry SOB that gets his butt in a pickle