How do you solve a problem like Karen? How do you hold a moon beam in your hand?
Seriously, though, the banks are all probably overwhelmed with the current financial crisis. The droves of foreclosures and loan defaults are probably staggering, so they're likely to do what they can to cut a deal and minimize their losses. Have you contacted your lender directly or considered a meeting with them to see what your options really are? I would think they'd want to work something out.
Hang in there. I still hate the loss of my own home but it couldn't be helped. In the bigger scheme of things you need to think of yourself and your kids first. You'll make it no matter what.
