Help - I'm exhausted!

[SuzieQ]

My story is a triple whammy of sorts - I have been in the mortgage lending business for 19 yrs (my entire career) and in February 2007 my company closed without warning and without paying their employees. I was hired at another lender within days and this same scenario played out four times over the next several months before I gave up on the lending industry. My husband left in May 2007 because the financial strain was causing too many arguments. So I was left in a bind although I was able to keep up financially for seven months eventually money ran out. I tried working with my lender prior to being late and they refused stating that I had to be behind before they would consider any type of loan modification. Well when I fell behind they wouldn't consider working anything out with me because I was "in the industry". I love my home and want to hang on to it but there is no equity even though I put almost $100K down and even paid extra toward principal during the first three years. I also remodeled a bathroom and put in a new septic system ($35K). My three small children and I are on the verge of being homeless. I have filed a BK13 trying to make arrangements and hold things off long enough for me to get a decent job and make the agreed payments but to no avail. The really sad thing is that a lot of potential employers are "shying away" from hiring previous mortgage industry employees due to the "reputation" of such individuals. I was mortified the first time a potential employer said this to me because I have ALWAYS done the right thing never once did I close a "preditory" loan or a loan with a teaser rate. My company offered such programs but when a mortgage broker tried to put a borrower into a loan that I felt was only to pad their pockets I discouraged them from submiting to my company. I had enough business without having to worry about someone losing their home in a couple of years because of a greedy loan officer wanting to get a 3% rebate. Most loans like that went to World Savings or Countrywide anyway. Now here I am in the same position as many fellow Americans - desperately trying to hang on. Any suggestions?