New Jersey homeowner, Monica Parchment, has been trying for a year to keep her home from going to foreclosure.

She is behind $19,000 on her mortgage and trying with no success to negotiate mortgage relief with Bank of America, which assumed her mortgage when it merged with Countrywide Home Loans.

In a short span this nurse, who at one time held three jobs at once, has fallen into desperation. Life came at her hard.

Full story is available on Loan Modification Homeowner Resources