Re: Loan modifications (was Re: Starting Engineer's Salaries)

> So, you think that violations of TiLA and RESPA are properly described as
> "incompetence?"

I cannot answer that without a lot more details which are probably
impractical for you to provide to me.

> Meanwhile, today, I'm taking a break from running an orbital floor sander
> that I'm using to refinish the floor in one of the rooms of this house that
> some people say I should walk away from.  We continue to make improvements.

That suggests that you are not going to strategically default. I
wonder if there are any other clues that the lender was able to glean
that suggested you would not strategically default.