[THE eXchanger]

you could likely consolidate the $40,000
so, that, the interest stops
through things called credit counciling services

and, you could likely settle it for about $25,000 (& maybe less)
and, pay $700/mo for 36 months
and, get rid of that debt
and, probably NOT damage your credit

when you spent the $40,000 - did you spend it on stuff
that you could sell, in order, to raise back, that $40,000
back into cash ???

or, is it, that $40,000- that has kept you paying your mortgage

it is obvious, that home ownership is important to you
and, you love the home you are in, and, don't want to leave it
so, that might be your best option

it likely takes collectors, a long time, to get to you

have you ever sat down
and, figured out, what you earn,
vs. what you pay out monthly

many people never chart,
or, detail that, sort of stuff

ie; if your monthly expenses for living are $3500/mo
for everything -- do, you earn more than $3500/mo
(and, if you don't, is it possible to figure out a part-time way,
to earn money)
i've seen people who were barely breaking even,
start a home based go-green type of business,
and, earn an extra $1000-$2000/mo,
in a very short period of time

you might, with all your energy,
try to figure out, how to RAISE your ENERGY
to the tune of $40,000
and, then, see that amount flow to you,
real quickly

do NOT give up ...see yourself with the money in your hands
to pay the bills, and, see yourself earning what you need and desire

tear up your list of wants -- discard them immediately

with the eXception of writing down -- GOOD RETURNS $40,000.00
and, paste that on the wall,
behind your computer screen -- right at the top --where you see it, all the time !!!

focus on what you desire,
along with what you really need,
to escape the trap...you can do it,
i know you can !!!

GOOD RETURNS $40,000.00

(it works)