We live very frugally and have found our house is worth less than we owe on it. We are having to do a loan modification because my husbands second job petered out for the winter. I work full time and go to school. The other day I was driving in the snow and totaled my car as it slid into a passing tractor trailer. Lately I have been sick and am the insurance carrier through my job, so it is important that i keep it, but because of our late enormous mortgage and falling behind, we do not qualify for a car loan or can afford any more bills. I have about $300 in doctor co payments and medicines for me per month. We hardly have enough to eat, but make to much unbelievably for gov't programs. We used to be pretty well off, and have worked hard, and often done things to help others. Now we are in a situation that is very scary. My husband works in one county and I work in another and we are down to one car. I am totally freaked out. I have no idea what we are going to do. I feel like such a failure
