<prompt> Human: So TIL that my friend is an idiot, almost bigger than our mutual idiot friend who did something stupid and landed himself in jail for 5 years. Please dont offer only yelling, Im going to do that enough to her even though she asked me not to What kind of friend would I be if I DIDNT yell at her for her mistakes? This woman is a DOCTOR!Note: She lost her job at the school and took a few months to start working again because she was in an accident that required massive surgery in February. The months in between Feb-July was required recovery time. Its important to note that she had two jobs at the same time, one she lost, the other was put on medical leave until she started again in July-Oct. The range of time is because of the job itself, which was client based. She has to build her client base again so the income was low. She DID have some emergency savings which got her by February - May or so. Heres her post to me:---I need to tell you something. My house was foreclosed. There is nothing I can do. When I lost my job at big doctor school, it took me from July to October to start working at new-ish job. During that time I fell behind on my mortgage payments. I tried to pay partial payments but the bank stopped accepting them. So I tried to do a loan modification. Th bank kept asking for different kinds of documents. They asked for 1 months paycheck stubs from husband, so I sent in 2 paycheck stubs. But that was only 28 days so they needed 3. Husband kind of dragged his feet on that, his boss dragged his feet on getting them, and I also forgot to remind him to get them. I got a letter on Friday saying that since my workout package was incomplete, they were going to drop it. I called them Friday when I got the letter but they were closed. I called yesterday. Well, apparently they X Bank sold my house to themselves, now they own it on February 16th. They didnt tell me. Now they are saying there is nothing I can do, several lawyers are saying there is nothing I can do because my house is already owned by the bank, so unless I can magically come up with the full mortgage amount plus whatever legal costs to the tune of 175,000, I am going to have to move out of my house in 4 weeks. There are a lot of things I should have done, like ask people for help, call a lawyer sooner, tell my parents, find some way to fix it, and I didnt so I feel like a failure as a human being and I suck at life and being an adult and I fucked up giant big time. So you dont have to tell me all of those things because I already know them, and I dont think youll be all judgmental about it and probably not lecture me but lecturing me will just hurt even more so if you could avoid that I would appreciate it. This sucks and I suck. A lot.My mother thinks they may have wrongfully foreclosed on me because they sold my house without completing working with me to modify my loan.I talked to a lawyer friend who referred me this other lawyer friend in missouri because friend doesnt do foreclosures in missouri, but that lawyer basically told me they cant represent me because my house is already sold. So I am calling the HUD hope hotline number my mom gave me right now.---Yep. My friend is a total idiot. Shes a fantastic doctor and has had this house for over 5 years. I live in a different country and am only in town for a little while and she told me this only 2 hours before we were going to hang out. If you guys have some awesome ideas to help save her house or at the very least, her credit rating or whatever, let me know. I dont own a mortgage and never have so I need to defer to you all here. Oh, and yes, her job is back to full time now and she has two other minor sources of income, which have helped her make those partial payments and such, but obviously not enough. Just in case you need to know that. Edit: Welp, figured Id give all the info I could about the situation but you guys were saying TOO MUCH! so I edited a few things. Usually people like to know more info than given so thats what I put, even though the info makes my friend more identifiable. I took out what was really identifiable but you guys are smart and found her anyway. Its not a huge issue to us but you guys recommended to take out some stuff so I did. And yes, I know you think me a bad friend for insulting her but to us, not a problem at all. Online I know, hard to see that.  <response>: This post would be a lot more useful and intelligible if you were upfront about the question, skipped the insults and included more details in the headline. 