funny, I tried to refinance my mortgage and I had too much debt. I talked to a foreclosure prevention and had too much debt. now they tell me to file for bankruptcy, then come back for foreclosure prevention. I, too, am embarrassed to be in this situation. I have a job but it's about enough to cover my mortgage. I've been living on credit cards but that's coming to an end soon...

good luck on the job search and I hope your bankruptcy process goes smoothly. as you stated, you're not alone!