Credit Counseling Government Sponsored

Is there a financial support from the Government free counseling to families in distress?
I have a great interest of the mortgage which takes only approx. 36% of our national income gross domestic product. In the summer of 2011, payment to a payment reset is written off about 42% of our income. The lender refuses to modify my loan at this time. My wife and I want to keep house and do not want to exclude. Is there someone who can if you sell the house and rent an apartment, obtain the lender to exclude, etc. We do not have much money for the IRA and have no equity in the house have now. Our credit is not good.
Unfortunately. There is no such thing as a free or lightning in a bottle. Although these programs exist, the inflation caused by the deficit in the health care unit even greater. Drawing money from a retirement account will cost you two penalties and interest. You can run a real estate agent as a possible short sale but another alt "supply" not likely to enlighten the market. Your credit will take a beating, not throwing money out the windows. Keep up the mortgage payments and future work second job as possible while preparing for the attack and date of deportation. As difficult as it may be, is much better than fighting the battle mortgage you can not win. Good luck.
Unemployment Advice- Take Charge America, Inc.
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