OK, Have Home loans totaling 580 but home is only worth 431. Unable to refi credit is shot? HelpWife lost job 18+ months ago when she became ill, Not late yet. Settled some credit card dept but not before it damaged our credit. Not sure of what our options are or do we just give up and allow foreclosure.March 10 2009 - Nassau00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.