Dexter -- Please don't beat yourself up about not taking action sooner. I know a little bit about the foreclosure RE market -- and the phenomenon of feeling overwhelmed, of existing in denial and disbelief, is widespread. Which is how properties wind up in foreclosure. One's home is more than just a shelter but a highly emotional issue.

Many more foreclosure auctions are announced that ever take place, and most of those that are stopped are stopped at the 59th minute of the 11th hour. Investors who go to the auctions never know if properties that were on the docket as recently as the afternoon before will go up for sale.

The way you handled things, it's common. I hope you will give yourself some strokes for taking action NOW!

I am sorry that you are feeling so stressed out about the phone calls, and I hope that hugs and love of we here helps.