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[Joel Fraser]

I have a question that I asked my wife and she didn't know the answer either. Here is what I need to know. I have a home loan and I owe about $84,000 and I have another personal loan that is $28,000. I have been out of work for over a year and that is because I have become diabled. We make the home loan with somewhat no problem but the personal loan is becomming the problem. I am still trying to get social security the lawyers are working on it. The personal loan is though a credit union and what I want to know is if they forclose on the loan what happens to the home loan company. Do they not be able to get the house? What I would like to do is get the house and personal loan as one payment that does not exceed $750.00 a month. But my credit score is junk. Any ideas would be helpful. I looked at NACA but not sure I can go that way. I live in michigan.