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Thanks Sarasota...will do.

Sarasota...I wish you and your friends (attorneys) lived in the same state as I do...it would make my decision much easier...I still have several days to reach a decision regarding which path to take and do more research on my own...but your insight and assistance has been invaluable...thanks...

quiktrade...thank you very much for your advice and research...very kind of you...

Archangel...thanks for your assessment...no, I can't clain "novice" investor status...I traded a lot...it wouln't make sense...for me right now it would be most useful, if I could get any info regarding how E-trade deals with individuals that are in the similar position...that would give me...

Many thanks to both of you, Sarasota and Qwiktrade...you are both real gentlemen...dissagreements are natural...the bottom line is, both of you have shown willingness to help...and I greatly appreciate...I put myself in a BIG mess, and need to decide this week how to pursue this...

Thanks again, Scott...I'm going to give them a call tomorow to see how cooperative they are...and then decide on retaining a lawyer as you suggested...will keep you posted via e-mail...

qwicktrade thanks for your advice...worked several jobs...but nothing that pays well....had to pay for my living expenses...anyhow, appreciate your input

Thanks Scott I'll do what you said...however, before proceeding, I'd like to point out that my mother is on the joint account as secondary holder...could B/D possibly go after her as well?

Brandon Thanks...I'm definetely going to do that...but before talking to them, do you think I should consult a lawyer...see if there is a loophole or way to pay lesser amount...since I do not have any income...before consulting lawyer, I wanted to consult with Elitetrader...anyhow, appreciate...

branonf Yes i did, told them I was looking for job and will start paying them once I got one...however, I did not find one up to now...also, i forgot to mention that they made on me over 100K in commissions and margin over the course of 2 years...that's why they were "nice" to me...I...

Hi...I'd greatly appreciate any feedback / assistance...during dot com mania, I invested in some dot coms name on margin...stocks crashed...as a result I owe over 20K to E-trade (debit balance)...they left me alone for over a year...in the meantime I've been unemployed...have no hard assets...