A chapter 13 bankruptcy petition might be the way to go. It would give you 3-5 years to repay the arrearages on your home loan, and to pay a certain percentage to other creditors, after which those debts would be discharged. To keep the home, however, you'd need to be able to keep you pre-foreclosure mortgage payment amount current on an ongoing basis.

Just some thoughts (((((((((((((((Dave)))))))))))))))); sending you positive energy.

Regards, Peanut

<font color=blue>HI FROM PEANUT</font color=blue>