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I'm a teacher paying 1 1/2 of my paychecks to my mortgage alone. The condo where I live (there is one more family here) is having parties every night and I'm stuck paying for the electricity b/c it's attached to my electric box ( I didn't know this when I bought the place). I have to charge everything my son or I need b/c every penny goes to my mortgage and bills. If I foreclose, how long will my credit be affected? I can't afford to be this broke anymore-I don't even have money for food. Any ideas would be really appreciated.
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