Im sorry to hear that you having the same prob that millons of americans are having , but do you really think posting a message on the internet like this will get you any help,there are now programs to help people from lossing there homes and if your a single mother why dont you applie for food stamps and contact your local city welfair office , also contact you power co and or gas co. and ask for a differant type of bill payment agrement.also what about takeing a bus to work, or asking a co worker to share the cost of gas for a ride to work , and get rid of that car pay ment or join a local credit uion and refinacing you payment for a lower one ??? have you really check all your options or have you given up to quickly and exspect others to help and feel bad for you , there are grants out there for people all you have to do is applie for them, also why do you rent out a room in your house , or maybe your garage , i your on the internet start using google and look for more help its out there if you just look , dont give up and dont take this as an insult. call you local church ask for help