[MostSerene1]

dear Most...sorry you are having a tough time....but look at the positive...you aren't late yet!....don't give up!....can you rent a room or 2 out?....can you rent the entire house out for more than your current mortgage payment? What about employment from a temp agency? What type of work were you doing? Do you have things that you could sell to help until you get a job? Depending on what state you are in...is there job training since your company closed. How much equity is in the house?

It's a 1926 with original wiring. Some plumbing updates but not many. While it's not exactly falling down, it's not a place I would feel comfortable renting. The furnace in the basement looks like a spaceship landed in the bottom of my house. (Long story short, I was married, my ex and I bought the place with the encouragement of my Pop who was a master carpenter and was going to work with us to renovate the place. Pop unexpectedly died 6 mo later; Husband left 6 mos after that. I have been working and paying everything on my own without any help from anyone)
I live in an economically depressed area as catagorized by HUDZONE and to make matters worse, it's a tiny little town in WA state no one's ever heard of. Today's paper tells of more lay-offs in the town's largest family-wage paying industry/employer. Rentals of any kind would not be in my best interest and potentially dangerous to whomever rented here.
When the offer came in back in April, I sold off most of my belongings then. I'm sleeping in a bed now owned by my next door neighbor. She's letting me use it until I move (which is now months later than I thought it would be).
Temp work -- yes, that would be fine, however it wouldn't pay that much more than unemployment in my tiny little town. The nearest city is a 45 minute drive and with gas at $4.45 a gallon here, that would eat up most of what I earned. I have marketable skills in office administration, I just cannot work for the money employers are willing to pay these days.
Please........I just want to go home and be with my family. I accept the fact that I made a poor choice to become a homeowner - I should have never married him, I should never have let him talk me into buying a house, I should never have moved away from my family. I've spent the last 3.5 months going over all these things in my head over and over trying desperately to find a way out of this hole. I accept responsibility. I know it is all my fault. I honestly do get that, I promise.
I just want to know about what it would take for Countrywide to work with me on a deed-in-lieu of foreclosure. What do I have to do? With whom do I need to speak? How late do I have to be? What are any future potential consequences?
please....