Not foreclosure quite yet.

[Joel Fraser]

So here goes a very long story. My husband and I bought our house 4 years ago. We were both doing ok. My husbands family business went down and he was left without any money and owing lots in personal and property taxes. It was concluded by all that the best course was for him to declare bankrupcy. During all this happening our variable interest rate kicked in. We have not been able to refinance our home because I don't make enough to do it on my own and with his bankrupcy he does not qualify. We have made sure to pay off any credit cards, have only one car loan and everything else goes to our home and daughter. My concern is that we jus found out that I am pregnant again, I realistically don't think we can continue to afford an increasing home payment and day care for two. All we really want is to stay in our home and continue to pick up the pieces. Would it be possible for us to even get a loan modification (http://www.modifyloan.net)? 5 years is all I really need before my husband is discharged. Any ideas and help you can offer will be more than welcome.