my payment went from 1500$ month to 2800$month over 3 year period, can`t afford to pay that amount and pay all necessary bills and credit cards so didn`t pay credit cards now my credit score is below 500 and no one can help me get out of this mess ,we have been to many companies none can do anything for us.have 100k equity in home and both wife and i work full time and make over 100k a year.i don`t want to have to sell my home but i can`t keep paying that amount and it still can go higher!! o yea and did i mention it`s “interest only” on top of all that so not only am i going broke and further into debt but no $ off prin. balance HELP?! ANY SUGESTIONS,thanks.