in response to shirleybill... I am a christian mother, married for 18 years. We have nine children. We never missed a mortgage payment even one time until last year when my husband and I were laid off , money that was in savings kept us afloat for awhile, then it got to the point that we were overcome by the bills. My husband just started back to work, but our house is already in foreclosure . I was trying to flow this feed to see where to go to get help. We owe 150,000 on the house. To get out of foreclosure we need 15,000$ I got lost in all the topics, with nine children all 16and under there is no where to go, and rents are more expensive than our once mortgage payment. Please let me know if you know where to turn...