Lynn, I have been putting the problem aside for so long...hubby and I have talked about it. We come up with short term solutions - then rarely follow through because we don't like the solution any more than we like the problem. Bad habits are hard to break.

Ah Rohag - always hits the nail on the head! I don't really KNOW...I'm guessing, but I'm terrified to find out that I'm right. I haven't spoken to an expert - I'd need an attorney...that costs money. If I had money, even $1000 to spare, I could solve the main problem.

Ultimately, it is our fault. Ultimately, I knew it was wrong when we started it. Knowing that it's my fault or that it was a stupid choice doesn't change today.