<prompt> Human: original post hereFirst off, a thank you to everyone who provided advice in the first post. So, I swallowed my pride and contacted my former employer thankfully they are a corporation and have locations in the new state I had moved to, and they offered me a lower paying job to renter their workforce. Within a month, my former position level became open, and I applied for it and got it, with a 5k raise over what I had been making, which I started yesterday. This will be great in the long term, but I am still struggling to keep up in the short term. I had a fire sale and sold damn near everything except the cars, since I am underwater and gain much more from the utility of owning 2 cars my wife and I work in different directions and have a 30min and 1hr commute respectively. Even still, I am a rolling 30 days behind on my mortgage payment on the house I am trying to sell 1250mo and one of the car payments 400month. I tried getting a short term high interest loan to catch up, but they wouldnt loan to me based off the recent late mortgage payment and high revolving credit. I just need to get to December when I should get a small windfall, but am trying to mitigate extended damage to my credit with multiple late payments on mortgage and car. Any advice on how I can rebuild and move forward in the short term while looking forward to clearing out my outstanding debt in the long term would be greatly appreciated. Assistant: Your wife focus on finding a better paying gig? This will sound shitty, but assuming your job is M-F 8-5, you might need to work a 2nd job on the weekends. Might have to be soul crushing retail. Human: Im already in soul crushing retail well retail management now, hence my original desire to get out :P My wife is looking into a second job on weekends right now, though.  <response>: I was in similar position on a home 6 years ago. I carried it late for 1 year before finally defaulting. It would have been better to just default early. Weve rented for 6 years while I repaired my credit and found stable employment. Even with a forclusure my credit is again in the 700s. Next year I will be able to purchase a home. Not saying walk away...but there are worse things you can do if its inevitable either way. 