I am in need of help as I moved here in '04 with my family after my husband broke his spine,hip, pelvis,slight head injury, etc., self employed with nothing left to live on. I work so much to make ends meet that my hands are in constant spasms, cramps, and the pain in the bones is agonizing that my fine motor abilities are affected and there are times I can do almost nothing. My children are excellent students and are managing with what we have. I have exhausted my resources and have nothing left to sell! I can't lose our home and my taxes are due!! My ARM was up in DEC and I can't refinance as I have no proof of employment so it went up to nearly 11% which is an additional $400 a month on top of the original $1200. I can't rent with a large family and need help!! We are living day to day when I can work. I am a small woman and I am burning out fast! Every thing is due and I'm not used to being late! I would be willing to pay the money back.Thank you all for even just letting me 'vent'! Any help, advice? thanks so very very much!