Another option I suppose would be to refinance. You could consolidate all of the bills that have piled up into a new mortgage and maybe extend the amortization a bit to reduce the payments. Once you are back on track financially you can increase the monthly payments to try and get caught back up on things.
There are lots of factors to consider but I can certainly see if it is worthwhile for you and run some numbers to let you know where you would be sitting after the refinance.
Feel free to PM me if you have any other questions I can answer that you don't want to share with the world.
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