If you are reading this now, and find yourself in the all too common situation where: *You owe more on your home than what its worth, *You can no longer afford the payments on the loan(s) you have, and *You don't know what to do ...then you can start feeling comfortable right now. Why? Because, first off: you're not alone. Second: not knowing what to do is OK because that's the place to start. Lastly: we'd all be wise to let go of any remaining notions of shame we may be holding onto because, by now, you'd be hard pressed to find someone who hasn't been affected by the housing market's demise...