Still here, still angry

Thanks for the support Ladies!
Answers to your questions:

Yes, it's a franchise, only available in Canada though.
Suz: I'm in Ottawa, not NYC. I wish I was sometimes. Thank you for thinking I'm wonderful!
Laura: I try to think like that but once burned, twice shy. If I have to declare bankruptcy I'll never get anywhere with the banks and won't be able to build any equity because I'll lose my house.
Scully: yep, Mom and I are partners.

I have to work all weekend so I'll be reading but not writing.
Thanks again and again and again.