Thank you for the response. While I want to eliminate the LOC or at
least get it reduced, with the knowledge that the credit score will be
adversely affected, I need a little more time for research before we
take another action.

My goal is to move the property from my portfolio within a year. I
may need to decide to tough it out and keep paying the LOC amount to
preserve what credit score I have now, which I mentioned is 630 where
I have some flexibility to purchase again.

Let me read up on these things and I will get back to you.


I do appreciate all that Haffar and Assoc has done on my behalf. If
we go forward, I have lost all my patience with the banks and dealing
with them, which is why Haffar's team was so valuable to me. I have
such a bad taste in my mouth with the controls, dishonesty and
avoidance tactics of the banks in our country that if I never have a
conversation with Bank of America as long as I live, I would be very
happy. I know you guys know how to deal with them.