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Drowning in Home Debt

Cynthia Mason of Volente, Texas, reduced her mortgage payments through the federal Home Affordable Modification Program (HAMP) but is still underwater with debt payments. The 49-year-old former school secretary is battling cancer and has legal expenses, credit card debt, and a car loan in addition to the mortgage. "This was supposed to be our dream home, but it's turned into a nightmare," said Mason.

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Cynthia Mason of Volente, Texas, reduced her mortgage payments through the federal Home Affordable Modification Program (HAMP) but is still underwater with debt payments. The 49-year-old former school secretary is battling cancer and has legal expenses, credit card debt, and a car loan in addition to the mortgage. "This was supposed to be our dream home, but it's turned into a nightmare," said Mason.