No offense, but you don't know what you're taking about. All your timings are wrong. Please don't state your opinions as facts in a public forum.
I don't know what you're trying to prove here by spreading misinformation.
For anyone reading this guy's response, don't trust my words, don't trust this guy's words. Have a consult with a lawyer before making a decision. Consults for WoM are almost always free.
Edit:
Yes I do. I have data for over 600 hardship cases and have analyzed them month to month by submission, day of the week, year and volume. YOU don't have data but you're posing as if you do.