I just made the last interest-only payment on a secured 24-mo. promissory note. Now the $150,000 principal is due and I don't have the cash. The note is secured by my land, which has been listed for sale for 2 years already (price reduced from $925,000 to $575,000!) I have no income and probably cannot qualify for a loan to pay off the promissory note. Is it worth begging from family? What are all the costs I face by letting the promissory note holder foreclose?