Many people took mortgages when they the interest was low and the future looked bright but that was before the oil crises and the second Iraq war. Hasher times are ahead and you and many others should really consider to do remortgages for the houses. It can be good to pay off the old loan and get a new one and you not have to worry about the interest going up even further.
If you think the economy for you or in general is going to get really bad then a mortgage protection plan is what you should consider. To protect what you have if things get worse.
What ever you do do not just stay in the same position you are in now it will not get better.
If you do not want to run late with the bills again and you do not have a credit card then you should try Payday cash advance loans. It is a quick and easy way to borrow money on your salary with will come soon. When the salary come you just pay back and you not have to pay fees because your late paying bills or anything like that.
Sometimes you just get to much debt and you need to break away from it. You can not do it by your self because the debt just keeps adding up all the time. You are in need for some professional debt consolidation. You can find loads of advice on Google for example and if you live in Florida you can search on Florida loan consolidation lenders. If you want to be more specific you can try the alternative Orlando loan consolidation lenders.