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