We are also in the same boat.My husband got bucked of a horse and broke his neck.Hes now a quad.It all started on sept.6th 09.Now hes home and disability only pays him 782.a month.Are house payment is 1087.a month.not includding any other bills.We are at april 9th and no other way to pay next months.We have 6 kids together.4 are his and 2are mine.My store could go on and on ...I know there are many more in are shoes too.We just got to keep going and keep praying