C2H, I have picked up bits and pieces of your sitch with regards to your house, I obviously do not know the whole thing, but I wanted to make sure that you are aware of the options that are available to you. There may be better resources available for you locally, but the following website provides a starting point: HUD Help for Homeowners Facing the Loss of Their Home Any lender that is being anywhere close to reasonable does *not* want to take your home from you if they can avoid it. With the economy and housing market being what they are, most lenders are waking up to the fact that bending over backwards to keep borrowers in their home helps their bottom line. Specifically you may want to look into the possibility of having your mortgage modified. Some times being rid of the house ends up being in your best interest, but even if that is the case for you go in with eyes open and understand your options and your rights in the process.
