| Hello, AprilDawn, Speaking from experience, don't walk away from assets and don't try to do this alone. Letting someone foreclose on your main asset seems to be something only done when all else fails. Holding on to your home seems to be you goal and so it should be. First thing you should do, if you haven't already, is approach the lending institution before they begin to make threatening phone calls. Explain your situation and see if they are in a position to work with you. The fact that you are making a good-faith effort to resolve this (and continue being a paying customer of theirs) may convince them to work out a financing plan. If they refuse, you are in no worse a position than you are now. If moving in with your parents for a while is an option as you suggest, would it be possible to find a renter for your home to cover expenses while you get back on your feet? Continuing to make regular payments will be a big help in finding refinancing for your loan, or at the very least, avoiding foreclosure and holding on to an asset. Another thing you should do is contact a credit counseling agency as soon as possible. If you connect with the right agency, they would be able to look at your current situation and perhaps help develop realistic goals and strategies. You have to be careful there though, since like in most things, there are those who prey on the people who can least afford it. Avoid any that says they will "wipe out all your debt" because they won't. They are the bottom-feeders of the industry. A link below may help you find one that isn't out to take what little you have. You may also get a referral for a reputable service or agency from your bank or an attorney. There are probably forums that focus on situations like yours and you might find better info there, but I hope you find help in saving your home. Best of luck. Wayne | 
