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AT THE MIDDLE OF LAST YEAR WE ENTERED INTO A FORBEARANCE AGREEMENT WITH MORTAGE COMPANY. WE DID WELL UNTIL NOW, WE ARE BEHIND 2MONTHS. WE ARE ALSO LOOKING AT A INCREASE FOR NEXT MONTH IN THE PAYMENT BY $350.00. WE CAN NOT HANDLE THIS INCREASE FOR THE NEXT TEN MONTHS. MY QUESTION IS DO WE WAIT TILL FORECLOUSER PAPERS ARE SERVED OR FILE NOW, AND WHICH ONE 7 OR 13. WE HAVE DEBT FROM A BUSINESS CC CARDS LEASE ON PROPERTY, MEDICAL ECT. TWO CARS ONE 96 BRONCO AND 88 CORVETT THAT NEEDS WORK(NOT RUNNING). WE HAVE ABOUT $60000 IN EQUITY BUT CREDIT IS BAD. DEBT TOTALS ARE CLOSE TO $50000. ANY IDEAS???????? 
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