<font color=red>(((((((((((((((((((Dave))))))))))))))))))))</font color=red>

I'm so sorry to hear this, but don't give up hope. Keep up with your meds and therapy and don't let yourself hide in your bed until you lose everything. I would pay more attention to what the bank is telling you than to what your "friend" said. She sure knows how to kick a guy when he's down! I have to wonder why she wanted the information about your house and mortgage.

Your meds will become more effective when you are back on a regular schedule with them . PLEASE don't give up on your meds and therapy!
Also, please, please fight the urge to stay in bed all day. I know how hard it is to drag yourself out of bed when you want so much to just stay safely there, but it will make the depression worse if you give in to the urge to stay in bed. I've done that before and it just made the depression drag on and on.

When is your next appointment with your therapist or pdoc?