Hi Lemonpie,<BR>I read that you are in PA and are thinking about following Bystander's advice to file for cs in order to reduce ow's claim. It is exactly what I have done and I am also in PA. If you'd like specific tips on how to begin, you may email me at I'll leave my email addy posted for about 24 hours. Let me know if you get it sooner.<BR>-cd<p>[This message has been edited by cdcollins (edited September 24, 2001).]