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Comment by Terri Carter on April 15, 2011 at 8:12am

I am currently trying to work with a credit counselor (but they require a year's worth of every statement for every bill before they can work with me) and trying to work with the mortgage company to modify my mortgage.  I have received conflicting advice regarding how to handle the mortgage until the modification agreements can be made.  I lost my husband (and his pension) in January and the survivorship benefits barely cover my health insurance.  I am torn between making partial payments to the mortgage company or paying every other month to avoid foreclosure until I am able to get the help I need to know how much I can afford to pay each month - and trying to save up enough to be able to handle security deposit and first months' rent should I lose the house sooner and need to find an apartment.  My records are a mess and I can't seem to sort them out.  Everytime I start, I just cry and make more a mess of things.  Until now, although we lived paycheck to paycheck, every one of our bills was always paid on time or before.  I feel like such a deadbeat now...even opening the mail seems to be a chore I'm incapable of.  Any advice for someone in my position?