Have you contacted Consumer Credit Counselor? or HUD?
HUD has a program that may be able to rescue your home. contact them now, here is their number 1-800-569-4287. It might be too late but still is worth giving it a shot.

Good luck and I hope they can still help you.

gab
<div class="foot">(Edited by gloria on 07/21/04 03:13 PM.)</div>