My husband and I make <$30K per year, have 4 kids (1 w/special needs) and a LOT of debt. We are current on almost all of our bills including our mortgage and home equity line. Problem is, we are not making it...haven't been for a LONG time. Our expenses are more then our monthly income, our mortgage alone is more then 50% of our net income per month. Now there are a bunch of medical bills too. We struggle to pay utilities, buy food, We're maxed out 10 times over. We want to keep our house. We have 2 old used cars that we own out right; 1 for transportation to work, 1 that will all can fit in. We want to keep those too. (Each is only worth appx. $2200 blue book) Our est. debt is around $20K-$25K not inc. home. We owe $94K on home +$24K equity line. Value of home btw $110-120K
