[flybynight75]

...mortgage? I am currently underwater by $25,000 on my mortgage, I was divorced 4 years ago and obviously that leaves mine as the only income to cover the bills, I have all but drained my life savings to stay afloat over the last four years. Now I have also been hit with a 12% decrease in take home pay (I am a Wisconsin public service employee) I am a single father of 2 elementary aged boys and I have primary placement but yet I do not collect child support (mom is pretty much a worthless kook) I knew that the pay cut was coming since January (they took affect this month) I approached my lender (Citimortgage, Inc.) and they really did not care to work with me because I was still current on my payments. After a significant hassle I was able to go through a loan modification which did little more for me than lower my monthly payment by $25 per month and cost me $2,000 in fees and finance charges tacked on to the back end of the loan. I have tried my hardest to hold up my end of this bargain, due to circumstances beyond my control (divorce, loss in value of the property and a significant salary reduction) I can no longer afford to stay in this house.