thanks, everyone for the suggestions. I went through one non-profit and they were willing to work with me if I got my mortgage down to $500. I was like, sure, no problem! let's just make it $100 while we're at it! I tried to refinance--too much debt. called foreclosure prevention--too much debt. they told me to file for bankruptcy and then come back and maybe they could help lower my mortgage. I really don't want to file for bankruptcy and stick the rest of the country with my debt/problems. *sigh* tired of going in circles. I have a feeling that even legit counseling agencies aren't going to want to help me...I'm looking to pick up an additional job but it's not like that's going to save me at this point.

hate. my. life. sorry for the vent!