As the real estate market began to slide three years ago, my wife there isn't any began to sense that we were losing our prospects. As people lose the value they always believed they had in their homes, their options in their ability to qualify for loans begin to freeze up of course. The worst part for us was, that you were in real estate business, and we had our incomes begin to seriously drop. We never imagined we'd have collection agencies calling, but call, they did. Regarding end, we had to...