help advice/ideas needed.. LONG!

[Joel Fraser]

Hi. I bought this condo in 2006 and I regret it now. First, i tried to refinance loan with broker "DeafMortgage" but that fell through (my decision). The lender was to be Countrywide, but they were dragging their feet, even tho they claim I was approved for refinancing, but asking for this and that, such as ORIGINAL 401K statement which I sent and then they claimed they never received it and I refused to send another one. Now, the first 3 months of 2008 was horrible at work, started being micromanaged by supervisor, etc... I think they plotted for me to quit the job. Too much details and I won't go into it... but let's say that I quit in April because I found a new job, but the problem is that I took a HUGE paycut, went from 19.39 an hour to 13.00 an hour. I have no regrets whatsoever in leaving my last job (it was for a title insurance company). I was this close (half an inch) from going postal. I am still somewhat able to pay my mortgage, but then i have ZERO ZERO left to for my own living expenses, such as groceries, gas, etc after paying mortgage and some utilities. I have been unable to pay my homeowners assocaition dues for a long time now bec of this. I am tired of my parents helping me out when they can especially that mom is close to being retired in 6 months. So, my condo is now for sale, got an offer but i rejected it becuase it was too low and I'd have zero left. I found out that I owe 138K now ... i bought the condo for 134900... Homeq added escrow and property taxes without telling me. I had been paying property taxes out of my pocket until last year.... I can't keep on being broke and hungry. I'm sick of cheap processed food and am in ned of real food my parents will help me with that this weekend. I am thinking of just stopping payments and let it go .. or file bankrpucty.. etc I don't know what to do .. any thoughts, ideas, etc. I do not want a roommate because I am not the type to have a roommate and I lead a quiet life and am a loner. The only kind of roommate I have had was when I had my boyfriend for 9 years.. and I ain't looking for a man just to live together!! I want to move back to my old apartment.. I am really regretting buying this ... this is stupid subprime loan .. UGH!!! vent over and if you got this far, I thank you!