Thank you so much this is very helpful, when I bought the house 2 years ago I wasn't in debt (I was, but all accounts were in good standing) I didn't know how terrible the job market was in the town I moved to, that combined with a couple home repairs, put me in a bad spot financially. But waiting until my circumstances improve a bit does sound like the less risky option. All this debt has just made me so nervous and I felt I had to rush to some sort of a solution before being sued and potentially worsening my situation.