I have become disabled (Since 12-4-12) and my employer had to fill my position, so they terminated my employment as of 1-29-13. I am 3 months behind on my mortgage and with my disability, will be unable to catch up my mortgage, which is a HUD loan. My credit is already incredible bad and with no job and now on long-term disability so far through 8-14-13, but expected to be put on permanant disability. (My $60M salary is now at 60% of that.) (multiple health issues), I am also having to pay $500/month more for expenses due to Cobra Insurance coverage. I really want to move to NC where my family is and I grew up. At this point, seems to me that with such bad credit, it really doesn't matter in the long run. Thoughts?