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my father became ill back in march and i have missed so much work that we have fallen behind in our mortgage and we applied for a modification, but that wa 13 months ago and they have not decided on anything yet. i cant take a chance that we will be without a home to live in.what can we do.

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I'm so sorry you are going through this - I really think you should see an attorney for advice. This is something so individual we can only give you our support as caregivers and understanding that many of us have gotten into financial difficulties because we've chosen to care for our loved ones. Health care costs and missed work are a huge part of that.

Please see if an attorney can help you take the right steps to save your home.
Carol
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