As the real estate market began to slide three years ago, my wife and i began to sense that we were losing our prospects. As people lose the value they always believed they been in their homes, their options in their ability to qualify for loans begin to freeze up properly. The worst part for us was, individuals were in the real estate business, and we had our incomes start seriously drop. We never imagined we'd have collection agencies calling, but call, they did. Your market end, we had to pic...