Yes, I was afraid of that. Again, I'm very sorry.
The advise of an attorney may be worth the expense to confirm your fears (and therefore resign yourself to your fate) or you might try seeking it elsewhere on the web.... Maybe start here?
http://www.askmehelpdesk.com/money-services/
Don't we all feel so warm and fuzzy knowing our elected legislators are taking care of us by debating bills concerning hate crimes (hey, these laws and punishments ALREADY exist!), illegal aliens (what part of 'illegal' is so difficult to understand????), gay marriage, flag burning, homeless people, traffic cameras, etc., etc..... everything BUT the VERY real and the most serious problems and exploitations that face normal, everyday working class people.
As I've said, these are the stories that get me riled, so sorry about the soapbox. Has anyone else noticed we're all complaining but nothing is getting done? It's time to wake up, people.