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I am a single parent with a 12 yr. old son. I bought my home in 97' and now because of career changes and trying to support everybody that crosses my path I am $2800. past due on my mortgage. My car is broke down and I have no transportation to get my so called business, that I have tried to get going but haven't had the resources to do so. My electric is now turned off and I have no idea what to do next......