<prompt> Human: I bought a house at the top of the market. I found out the house was sinking and took out a second loan to have piers installed under the foundation. I thought I could repair the structural damage over the years and bring the home value above the loan value. This has not happened. I am unable to afford the repairs on the home. I owe 97k on the original mortgage, 18k on the second plus 17k in student loan debt. The home, if repaired, may bring 100k. Im 38 years old and feel hopeless about my families financial future. Please tell me there are ways to recover. Im feeling depressed and desperate.  <response>: I think you need to talk to your insurance company or possibly a lawyer. 