Ok, I've posted on other threads here and gotten some excellent feedback, advice, and plenty of understanding and compassion. And I can't tell you how much it all meant to me!

But NOW I'm at a critical stage in my life and situation. And I NEED all the help, advice, suggestions, and encouragement I can get!

I started writing here in July of this year. And to be honest, I've not made a lot of progress towards cleaning up my mess. And although I know these sound like hollow excuses, I do believe that I've had several incidents occur to either slow me down or stop me in my tracks. It seems like I'll get myself motivated to do a certain number of things in a certain period of time and it never fails.... Something will happen to screw up that schedule. I'll give you a few examples: I had set the goal one day of cleaning all the stuff off of my kitchen counters and kitchen table and put everything in its place, and wash the dishes. Trust me, this was a chore that I knew would take several hours. As I was putting items in the cabinet under the kitchen sink, I noticed a huge puddle of water on the floor of the cabinet. As I traced it, I discovered the entire floor was flooded. I turned the water on, only to discover that my plumbing was leaking from not only the pipes but also the sink drains! So THAT job had to be put on hold while I took everything out of the cabinet, took pics of the plumbing setup, went to the store to get parts and came back to start working on replacing my plumbing. I spent over 2 hrs on that and turned the water on...watching it leak all over the cabinet floor! It was too late now to go back to the store so I gave up for the night.

Next day I went to another hardware store, showed my pics, and was told I had been sold the wrong parts! Too late now! I had already screwed them on, scratched them up, and threw the boxes away! Guy told me I didn't need plumbers putty, even though instructions said so. I took his word for it. 2-3 more hrs removing wrong stuff, putting on new stuff... Yep... It leaked! Back to store to get plumbers putty and apology from salesman. I'm into day 2 now. Back home...2-3 more hours to remove parts and replace again with putty. Had to wait 24 hrs before I could run water or put anything back under cabinet. After a few hrs, tiny leaks...had to adjust... Finally no leaks... Now I'm into day 3. Meanwhile my KITCHEN CLUTTER JOB hasn't even gotten started.

I realize this is getting boring and long so I won't go into the details on this next one... I'll just say I went into laundry room to get extra paper towels and laundry room was flooded with 1/2" of water. It was leaking from my AC unit!!! I won't EVEN go into what I had to do to troubleshoot this and fix it but this took another 3 days!!

Point is I lost over a week on just the one tiny little chore! Now add to that Dr's visits, Dentist's visits, business calls, running errands etc.... And WHERE is the time to CLEAN UP MY MESS??!!!

So now here's my current crisis situation... Because of all the repairs and medical stuff I had to pay for, for the first time in 26 years!!!!.... I had to skip paying my mortgage so I could pay for repairs and medical and dental bills. I figured I'd try to send EXTRA starting in Sept to make up the missed payments. But part of the problem HERE is my payment went up $200 more per month beginning August. Even so, I called my mortgage company and explained the situation to them. They seemed to be compassionate and understanding.... I THOUGHT!!!

But 40 days later, actually BEFORE I was even OFFICIALLY LATE with my AUGUST PMT, they sent me a NOTICE OF INTENT TO FORECLOSE!!!!

I've talked to several lawyers as well as HOPE and HUD and they said my lender really jumped the gun and that most lenders don't send out such letters until a customer is about 3-4 months behind!

They've offered me a Deed in Lieu or a Short Sale. I've been advised by a Mortgage Lender to try to sell it myself FIRST because it's worth more than it would bring from a Short Sale.

Let me ADD that it's probable that they are anxious to get me OUT because I filed Chapter 7 Bankruptcy and it was discharged in June 2013. That means the mortgage was also discharged. So legally I don't have to pay the lender. But I still owe the Lien, if that makes sense? In any case, I have made the payments diligently even after the Bankruptcy. But I did NOT reaffirm with them. So I think they would prefer to get me out and get someone else in here at a higher monthly pmt.

So now that I've told you all that, I'M SURE YOU KNOW WHAT MY DILEMMA IS RIGHT??? YEP!! I will not be able to afford my NEW pmt., which I will have to pay in October for the missed Aug pmt. So I HAVE to get a RE agent in this house to appraise it for a possible market listing ASAP.

1) There's no way in H*LL I can get all of this out of here in the next few weeks and still make all my Dr's and Dental Appts, plus see a Surgeon for possible surgery!

2) If I don't get it listed, I will have no choice but to Short Sale (SS) or do a Deed in Lieu (DIL).

3) If the Agent appraises it at less than or equal to what I owe, I'll have to SS or DIL

4) If I have to SS or DIL, I'm required by law to WAIT 2 years BEFORE I can purchase another home. I'll have to rent! Rentals in Fla (where I want to move) go as high as $2200 per mo even though purchasing is only about $1300 per mo!!

5) If I have to rent, I have 3 DOGS. They are MY LIFE! Most Apts won't allow 3 dogs!

Please forgive me for bombarding you with all of this but I'm prob at one of the darkest moments in my life right now! I don't know what to do!

I can't afford to hire a cleanup crew. I'm too ashamed to let my friends or family see my house!

And the icing on the cake? My AC is leaking again!!

And even though my mortgage lender said they will work with me, they are bombarding me at least 1-2x per week with Registered letters threatening Foreclosure!!

I don't even want to tell you what dark thoughts have gone through my mind. I'm sure you can guess!