My husband was laid off 4 wks ago. Heā€™s been collecting unemployment but obviously itā€™s literally less than half of what he used to make weekly. But weā€™ll take what we can get. We donā€™t qualify for any assistance with food, with health insurance, nothing. I have made phone calls and looked at applications and my income alone puts us in the ā€œmake too much moneyā€ category. So, weā€™re on our own.

Weā€™ve cut expenses the best we can. Weā€™ve had no internet, phone or cable for over a year because we canā€™t afford it. We have a truck payment weā€™re stuck with because well, nobody wants to buy trucks with gas prices as they were. And with them dropping, nobody has jobs so nobody wants to take over that type of payment. And, we tried checking with CarMax and theyā€™d ā€œtakeā€ our truck for $11,000 and we owe about $14,000. So weā€™d eat that (still owe it to the bank) and have no money leftover to purchase another car.

Now comes the bigger issue:

Back a year ago my husband was laid off. It put us in a huge financial bind because we had just had a newborn baby and just gone to court for child support. We fell behind on payments when the whole housing crisis officially hit. So weā€™re in foreclosure but nothing has been finalized as of yet. Our house has been listed for sale for over a year and weā€™ve had tons of offers and almost sales. But because the banks are swamped, weā€™ve had 5 buyers walk due to waiting. We would call and call the banks to push our sale along but everyoneā€™s mailboxes are full. And the cycle repeats.

My realtor called my husband today and asked him a question. Somehow the topic came up that we COULD save our home because they can slash our mortgage payments in half. And they can work with us.

My husband wants to keep the house and Iā€™m a bit weary because we simply canā€™t afford it. He has no job, no income, to assume you can afford this and put yourself right back in that same BAD financial spot isnā€™t going to do you any good. So because I fear we canā€™t afford it, I say no. Because he canā€™t accept whatā€™s been happening, he wants to keep it.

I donā€™t know how I can put this into words for him. He flat out wonā€™t listen to me. The only advantage is that in order to ā€œsaveā€ our home I assume theyā€™d need both of our signatures in order to make it happen. I wonā€™t sign if Iā€™m not comfortable. He hasnā€™t had a job in 4 wks, hasnā€™t really looked (my opinion). And so now that he knows about the chance to save the home, he says heā€™s looking. WTF?

I need advice on how I can get through this. I absolutely donā€™t know what more to say or how to get my point across.

And Iā€™m looking for advice because as a married couple, this is something we need to do together. We need to be on the same page. And let me add, my husband has NEVER had to deal with money or be responsible about it.

Please advise how I can speak to my husband about this. I'm at my wits end.

Additional Details
Let's not forget to factor in taxes and insurance. Dropping the mortgage is one thing, but we all know taxes and insurance are fairly set.