Excuse me folks I wasn't crying on your shoulders. Many of you sound like you have fat wallets, not all of us. If I could have made double payments in 2001 don't you think I would have? I was just trying to pick brains for ideas. I'm capable of paying I'm not going into repo nor can I refinance its too old.I also wouldn't rent or consign. Are many of you so smart that you never made a financial mistake? I thank you who have been kind, those that have a holier then thou attitude .....I'll say in 2001 we could afford what we bought things were good. My husband's serious illnesses have taken us out of full timing. It wasn't a choice believe me. Remember it can happen to anyone.