Does this sound like you?  Do you feel like your swimming in a toilet bowl?  Are you quickly becoming depressed, scared, just don't know where to turn? Call me!

I know what it's like to stop opening the mail, it's all past due bills anyway.  Or to not answer the phone until you've checked caller ID, it's always someone telling you your late paying your bills.  You already know all that.  What you don't know is how to fix it.

If you own a home, you MAY have some options. Know that you are not alone, there are many homeowners in the Tracy, California area that are in the same position as you.

First thing is communicate with your lender.  If you've encountered a hardship let the bank know NOW!  They may work with you, especially if you have a way to make it up to them.

Selling your home may be an option.  You may be able to save your credit.  Bottom line is you should call someone today.

Susan