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i only receive disability income. I own a home that I could afford when I made $90,000 a year but now in making approx 24,900 a year. I applied to the program that the president put in place- making home affordable - and after a year was just approved. they decreased my mortgage by approx $200. I like to mention that i owe back taxes because prior to me becoming disabled I lived off my life savings and did not withhold enough taxes from the premature withdrawals. I know that u didnt ask about that but I want you to be aware of all that I am going through. I am so sick over everything .. can not take another minute of 'begging' capital one to help. and on top of it... i am not mentally or physiclly capable of dealing with collection agencies, harrassing phone calls. I am very very anxious and dont even go outside... all this after working for 27 years for the same company... my life is horrible