(((Ygrec23))) - I'm sorry this is happening to you and your wife. We went through bankruptcy a year ago. We owed more on the house than it was worth, plus there was a lean on it by a lawyer on our side, so we manged to keep the house. Yes it's very hard, especially since men view themselves as solely responsible for making a living. It's common to feel overwhelmed and like giving up - my husband felt the same but I reeled him back to the reality, he has children who depend on him.

When it was all over, it wasn't as bad as I thought it would be - in fact it was a relief to get rid of the debt. I know facing poverty can be tremendously hard but please can reach out for help. Live as simple as possible and I save a lot by shopping for groceries at the lower end stores. There are many ways to cut corners, not that you aren't already. You and your wife can get through this and I'll keep you in my prayers.