Hello, In 2010 I had to quit my job and move back home to help my aging mother who needed to retire. She had got to the age where she simply could not work anymore. I took over paying her mortgage and household bills. Ultimately, I ended up out of work for 1 year. I was also unable to sell my house. With no income for 1 year, paying 2 mortgages has put me deep in debt. I pay as much as I can every month but with credit card debt, you can never seem to get ahead. It has got to the point where I go without medical attention that I need in order to pay my bills. My gums are receding but I simply don’t have the cash to get them taken care of. My health is suffering because I lose sleep worrying about how I am going to ever pay off all the debt. I really just need to get my debt down to a manageable level. Expenses go up every year and I don’t know how I will ever keep up. I work extra hours to raise my income as much as I can. I am now at the point where I don’t see very many options for us. I have tried to put my house back on the market but there are repairs needed that I simply can’t pay for. When I offer to take the cost of the repairs off the sale price, I can’t get enough for the house to pay off the mortgage so the sale won’t close. It is humiliating to be in this position. I never thought it would come to this. I wish I could go back and do things differently but this is the position I am in now so I have to resort to whatever solutions I can find. It has been a very humbling and embarrassing experience. Any help would be greatly appreciated.