I bought my house right before the real estate crash. I want to find out if there is a way to negotiate a lower principal without affecting my credit.

The only way to do it without destroying your credit is to refinance.

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Note: the mortgage lender I spoke with is not necessarily the largest single recipient of federal bailout money, just one of the largest. Also check me out on
http://www.facebook.com/PeterSchiff and http://twitter.com/PeterSchiff

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