[dennis in se pa]

1. Find another agent to represent you. As the listing agent she has the owner's interests first.
2. Find an agent with a brain, there are a few out there, and one with some experience with short sales.
3. Be aware that the lender tends to hire people with no brains and no experience to negotiate with your Realtor. This means your Realtor has to be persistent.
I have been through this as an agent a few times. It is very frustrating to deal with the people you end up having to deal with on the lenders side, but worth it in the long run.
Keep looking for another, possibly better deal.