Hey Carmen I know how it feels to have my phone ring constantly from debt collectors. Shit happens, times get tough. But they dont have to stay this way! One day my friend showed me this website where I got information on how to lower my monthly mortgage payment while paying off my overdue bills. I got back on track and started saving money for the first time in two years without using any of my own money! Take a look at what helped me out. It's easy and FREE! http://www.4orty4.com/mortgages.asp See ya later, Kirk no mroe http://www.4orty4.com/gone.asp When a clock is hungry, it goes back four seconds. I love to give homemade gifts... which one of my kids do you want? I marvel at the strength of human weakness. Good fences make good neighbours.