hi, i am a 44yr disabled wife, have 3 beautiful girls who help me with house and daily living tasks, and a wonderful husband who is working so very hard to support us. unfornutaly this month has been a bad one, with lots of hospital visits, and several procedures on my back. due to this we are having difficulty paying our mortgage, i then found out that we are behind, and might lose the house. because of my injury and not able to work, several bills went to collection, which has negatively affected our credit. if anyone can help please please do! i promise i will continue the favor helping someone else with anything i can.