Bankruptcy versus Credit Counseling versus Suicide

So what do you do? Your home has lost 1/4 of its value, your income has been cut in half, gas prices, food prices, kids, camps, costs all leading to the additonal costs of family counseling, personal counseling, visits to the doctor for Ambien, Valium and Alazopram. Wash all those down with a stiff cocktail and in the morning, should you be able to sleep, the bill still haven't been paid; They're going late. The calls begin; Random 800 numbers and Unavailable caller IDs. When all else fails, Don't do any more Ping-Ponging. Don't borrow from direct relatives, don't draft more cash from accounts. Do EVERYTHING to keep the mortgage payments current and give me a call. You may be polishing brass on the Titanic, but you may stay afloat a while longer. I'm and advisor, I've been there. I'm here to help. Pat Townsley, State Licensed Broker. Cal Mortgage Advisors, Inc. 415-485-1776. http://www.ptre.net/. "Just keep Swimming" Dory.