1 Fannie, Freddy and corporate greed my achin ass. C'mon folks Why did you buy more house than you needed? To impress your friends and Co-workers. At least you aren't in debt for the two jetskis in the four car garage cuz you put them on one of your credit cards. Cards that are virtually free money cause you can transfer balances. Two new cars were a necessity cuz you couldn't have any thing older than 2005 degrading property values. Besides Uncle Bob told you when you were starting out that you shouldn't be driving anything with more than 60,000 miles on it because you needed reliable transportation. Of course that was before Bob lost his house along with his job and had to declare bankruptcy. While you are waiting for Washington to bail you out you might want to look in to a second job. You might try unloading some of that rent to own stuff at a yard sale. Thanks to Botox the wife might have some retail value. Probably not it's hard to sell anything in a slow economy. Least you got enough beer in the fridge to keep you out of the dumps. How bout a payday loan to at least keep pay the minimum on the cards. Hope and change, that's what you need.