Re:Timely Advice wanted for dealing with crisis. tyrogers: Get an attorney ASAP. I am a paralegal. Trust me on this one. Start calling. See if you can possibly find someone to start work on payment with you. You may also want to contact a bankruptcy attorney as well.
I am sooo sorry you are going through this. If there is anything I can do to help, just ask. Otherwise, the people here are great and have helped me through a lot lately.
(((HUGS))))
Tyleena ("Ty")
Way Down South in 'Bama