Such good quotes! I was hoping someone else would follow up before me, so I skipped my remark first thing in the morning. The sidebar on the right shows bits from many forums ad I always get credit for the quotes - I believe this is set up to catch only threads with follow-ups, anyway, I was hoping someone else would be credited - Don, next time why don't you post a follow up to your quote and see what happens

I'm sorry that you might lose your house. Have you been to the real estate forum? I've been going there a little over a year, you are not the 1st one this is happening to. If you do a search, you should see other posts. There are a few people that hang out there that may be able to offer you advice. There are also forums at citydata that might help you. Right now though, the best thing I can say to you is to get the house listed for sale. This might buy you some time and will show that you are serious about working to pay off your debt. Hanging at the real estate forum, as I said there have been other posts, from what I've read, and depending on how the house is taken, you might be responsible for part of the money owed if it ends up at sheriffs sale and does not sell for what is owed. I don't think that some people realize this. There is a house by me, it's been on the market since last May, the sheriffs sale was in October, and while they finally moved out in November, the house is now listed at the bottom price and still not selling. After a year on the market & almost 6 months where it was supposed to be sold at sheriffs sale, it's not looking good that these people will get the house sold, which is a shame as it's not a bad house, especially at that price. There are other people by me that did manage to sell before going to sheriffs sale, maybe you will be lucky? I am a very emotional person. We had money problems and had to file bankruptcy awhile back and our mortgage payment is astronomical! We had to refinance several times to pay off debt. I am working double shifts to help pay the mortgage and I am sick of busting my butt for a house whose monthly mortgage should be about $600!!!!!!! To be honest our house is okay,we built on an addition a few years back,it needs work,the ceiling leaks,the main bathroom is small and to be honest,I am kinda embarrased to have my kids bring over their friends. I am trying to find some encouragement and stuff to get me through this emotional draining time. I try to be rational such as,1:we are healthy 2:DH & I both work 3:the kids are happy and doing good in school. 4:we have never had a fire 5:we still have our belongings. Please I need words or thoughts of encouragement and fast before I lose my mind. Thanks You need to step back and breathe. Someone I care very much about is actually in your same shoes. They emailed me saying they wanted to refinance or something, where they would get money back. I told them what a bad idea it was. I told my friend to seek financial counseling, and will offer you the same advice. They have been struggling for years trying to keep the house, and like you both of the parents work more then one job but can't seem to get ahead. Do a google search for credit counseling in your area. It's been very easy for people to dig themselves in a hole the last few years. It amazes me how people can keep getting more & more credit, digging themselves deeper. The banks & credit companies should be ashamed of themselves for qualifying people that should never have qualified. I know another person that just filed bankruptcy (no house) a year ago but continues to blow money like water & just bought an unneeded car that they can't afford. I don't know where this person thinks they will get bailed out again. They are not learning from what happened. The thing that stinks the most, it is bringing all of us down. My hubby & I are actually not in your shoes but are having a hard time selling our house due to the amount of foreclosures, so it affects everyone. You do heave your health, kids and jobs. Maybe with financial counseling you can get back on your feet again? Please look into that stuff now. The sooner you take action, the sooner it will be over and you can move on with your lives. The way you come out of this experience can make you a better person, learning from what happened and not doing it again. Hang in there. I hope I don't sound like I'm preaching because I'm not. You are not the 1st and surely will not be the last. Hopefully someone at the real estate forum can offer advice, or you will find a post there similar to what you are going through that you can read to get ideas. That particular house by me that won't sell, the mother died from breast cancer a year before my dad died. I imagine they got a home equity line to help pay medical / funeral. The person that did sell by me, they kept getting equity lines and spending foolishly. My dear friend, well she's had a very hard time health wise and almost died. While she does not want to sell her house because of her kids, I don't see any other way for her right now. Perhaps Hoovb and others are right. A fresh start and rent a more affordable place could be the solution for you and your family. As well as trying to not fall back into it. If it sounds too good to be true, it is. Cut up the credit cards, get rid of the cable TV & cell phones & what ever else you can. If the kids have paid activities, stop those as well. I know how hard it is to make ends meet. I buy in bulk as much as I can, we don't eat out and we try to use the grill even in bad weather as it's cheaper then getting the stove going. I've also changed the way I wash clothes, use a cycle with less washing time and, while I dry clothes, I take things like shirts out when they've been in 1/2 way to hang & dry the rest of the way. I also shop sales a lot and haven't had a day of shopping in a long time. I also don't make unnecessary trips with the car as gas is outrageous.

Jenn, it's Kathi mdgd, one of the forum members. She has posted here a few times and on Painting and Garden Junk frequently. You are right about the medical advances, but it's still one of those things none of us want to have to deal with. She's got a wonderful attitude though, and I know she will be fine in no time. Luvs

Thank you for the post! I agree, most if not all of the medications they've given my husband have made him worse, not better. Now he's doing so much better that he may be able to transfer to a more intensive physical rehab facility. He's very determined and he's made a lot of progress in the last few months. The scariest part was when he didn't know who I was and saw things in the room that weren't there. That all stopped when we took him off the 'helpful' medications. Don't get me wrong, I'm a big believer in anti-biotics etc. when they're actually needed, but piling on different medications to treat undiagnosed symptoms is not always a good idea...at least in our experience. I'm so glad you've made such a successful recovery and thank you for the kind words :)