As the market began to slide three years ago, my wife and i also began to sense that we were losing our options. As people lose the value they always believed they been on their homes, their options in their capability to qualify for loans begin to freeze up too. The worst part for us was, we were in the real estate business, and we saw our incomes start seriously drop. We never imagined we'd have collection agencies calling, but call, they did. Globe end, we needed to pick one of two options - ...