There is apparently someone trying to serve me with papers. They served my ex-husband as well since he was on the mortgage. It is for the 2nd mortgage on the house I lost. When I lost it it was worth $100,000 less than what we paid and another effect of the economy was not being able to use mymasters to really get a job in a living wage range. I worked 2 jobs for 5 years to survive and keep subbing in order to get a teaching job. I lost so much of my childrern's lives during that time. I never declared bankruptcy during this time because I worked really hard. I paid off all my taxes last year as well and I earn under $30K. I knew about the 2nd being an issue, but I just lost track of it all during the foreclosure and trying to keep a roof over our heads and all the basic bills paid.
In any case I have next week off for spring break, I worked 50 hours last week and I am still a littel behind on work. . I am going to take some time off this week because I cannot handle this hanging over my head. I want to be totally 100% out of debt! I was getting pretty close too. I think there are ways to work this out, a friend in the mortgage industry has told me that and I just need to start by calling.