Confused & Scared In Missouri

[DeadManCrawling]

I would get a job -- anywhere making anything -- flipping burgers for $7.00 an hour would fund a 13.

You own your house -- so 7 is NOT an option.

I agree you should not take out a mortgage on your home, if you cant afford what you have now.

You could sell your house -- take a hit, but since you dont owe anything on it -- you could do a short sale, offer it for 50K or so, and sell it quick because it is so underpriced. You could pay off your debt, and still have 25k to start over.

Good luck.

I agree heartily with wrinkleigh. As long as you do a 13 your house is essentially untouchable, as you will pay off a percentage of debt determined by your disposable income.

The key seems to be HAVING a disposable income. Obviously you worked hard and long to get the house in the first place. You might consider "lowering your standards" and taking any dadgum job that will allow you to show disposable income on your schedules, even if it's only a couple hundred bucks a month.

It likely will mean the difference between preserving your paid off home and seeing it sold to pay creditors.

Long road ahead, but isn't that true for everyone?

Good luck, and many prayers.

DMC