in debt.? my mom brings in about 2,900 from social security for our family and for disabilities. we have an interest only loan at 4% for 5 years, recent modification, and pay the bare minimum 1,400. the loan is for 413,000 and the house is worth 283,000 in california, and 60 years old. we've refi twice, and have 80,000 in credit card debt, btw haven't made the cred payments since last year. should we foreclose?