I have been in financial troubles before, but just yesterday I was denied for refinancing on my home.  I am about to have to file bankruptcy and foreclose because I got caught up in a mortgage that reset at nearly twice my old rate.

My Mortgage payments were $1200 a month, and I was easily paying them.  They reset to $1900 a month.  Now I can barely afford to eat.  This world is crazy.  Had to vent just a little bit.