Have difficulty covering your expenses each month?

Owe more on your property than what you could sell it for, especially after real estate commission, closing costs, late payments, interest, taxes etc?

Not have money in the bank to cover the difference between what you could sell your house for and what you owe the bank?

Are you using credit cards every month to cover some of your expenses just to stay afloat?

Some or all of your credit cards at their maximum limit?

Feeling the stress mounting with each missed payment?

Tired of getting phone calls from your bank?

Approaching the foreclosure sale date?