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Very Funny ^^^^^

I have never had a bank contest xcoll restructure as they are aware you will take the client elsewhere.

About $500 to restructure. Would need more info to advise corectly on the structure but fairly simple of you know how to. Also would depend on your individual circumstances and short, medium and long term goals.

Should be easy enough if you engage the right person to do so and as long as their are no fixed loans in the mix that if broken will likely incur break costs. You can tell if the securities have been crossed by reading the "security" section in the loan contracts. If more than one security...