[DianaB]

Go into your bank and ask them to explain it all to you. Make sure that each time you go in you talk to the same person so they understand what you're dealing with and you don't have to explain it over and over. They should help you understand all of this. Lawyers just talk lawyer talk that you can't understand. Make sure that you understand exactly what they're telling you and ask questions. They know that it's your first time for all of this.