Five years ago, we needed money for the treatment of parents. Only then it seemed the right way to take out a loan secured by an apartment. Business allowed to pay monthly payments and to live to me, the wife and the daughter. The result-the money did not help, the parents still died. Business (center for MRI diagnostics) this spring ceased to exist. Credit to pay nothing with which. The Bank in six months will put the apartment up for auction (the only housing). A loan or refinancing one does not, because defaults on the loan was transferred to me once pure and white of the borrower to the blacklist. I can't open a new business either (due to lack of initial capital). Ready for any job or condition. But really at the moment, due to the lack of higher education and age 46 years, you can count on low-skilled jobs with a monthly payment 450-500 USD. Hope anyway to rectify the situation with the finances. But the housing issue is very hard to affect the family. Anyone who will help I'll return it with interest, not fast, but I will, though.