You need to put him in touch with some professional help. He should talk to some lawyers and loan mod companies to determine what his options are. Most will give him a no charge consultation. He’ll learn a lot just by making a few phone calls. A great site I used for my loan modification was where I entered a few details about my situation and I got back multiple loan modification proposals.

You need to speak with an attorney about this situation. Attorney’s can not only advise you on a plan of action, they can also assist in negotiating a short sale with your mortgage company or even a deed in lieu. If you are facing a serious hardship, they may also be able to negotiate more affordable terms for you. These guys are all over the web and seem to be the best around at this type of practice. Go to this website:

Hope this helps!! Good Luck : )

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Well, first of all I’m sorry your finances look that way. I suggest you to read the book The Total Money Makeover by Dave Ramsey.

Now, you can only sell your house on a short sale when the bank has already began the foreclosure process, otherwise you can sell it or rent it. If you rent the house, it will be considered an investment for tax purposes so you will have to report all your income against all of your expenses on that house.

If you do not like to read you should then listen to this guy online at He is an expert on realestate an bad finances. He went through your situation a couple of times until he figured out that what he was doing was not working.

See the actual lending firm is an Experian company BBB approved so very safe.
They might or they might not. It depends on many factors and how big the debt is.

Why on earth is he enabling her to continue to be an alcoholic?
Instead of throwing money at her, get the family together for an intervention!
Alcoholics and addicts ARE manipulative! How do you think they can continue their behaviour? She needs help, not someone to just keep her living the lifestyle she is accustomed to.

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Unless the value of the home is LESS than $100,000, you don’t have enough equity for a home equity loan. The loan to value ratio needs to be at least 80% AFTER the loan and most banks won’t bother with a loan under $20,000.

The above answer assumes GOOD credit AND being current on the primary mortgage. In your case, you would have found it extremely difficult to get the loan BEFORE the housing bubble burst.

Get a pet Sheep!