I was recently asked to write a consumer article for another site on loan modifications. This was an assignment which should have easily have been knocked out with five fingers over a cup of coffee while I used my other hand to clear my feed reader and finish a crossword puzzle.

Instead, my 600 unwritten words haunted me. For three weeks and with the deadline looming, I was a tormented soul in full procrastination mode who suddenly found she had more pressing priorities — like waxing the cat.

The problem is that I am not an expert on loan modifications.

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