Benjammin's right. The only direction your situation is going is to worse.

I don't know what you do, but can't you do it somewhere else? Jobs aren't secure these days. Someone at the top makes a bad decision, and you're gone. Then what? No job and a house you can't sell.

Find a hungry realtor, not one of the big fat chains that don't care if they sell your place or not.

But mostly, balance your family against your current position: Would you be willing to give your house up free and clear to bring your wife or child back to life?

I'm very low on the financial food chain, so I can understand your feelings. But stress kills. Heavy guilt does, too.

I hope you can figure a way out of your situation. It won't be any better in five years.

Sue