Source: Nancy Trejos, Washington Post ( Free Registration )

Zena Collins knew she had a serious problem when she could no longer afford electricity.

The mortgage payment on her Gaithersburg house had jumped about $500, to $2,000 a month, not counting taxes and insurance, after her adjustable interest rate increased. When she bought the house in 2000, she was a pension administrator. By the time her company decided to cut her job, she was bringing home $5,200 a month. In April 2006, she managed to secure a similar job—but not a similar salary. So there she was, earning less but paying more for her house. And that’s when the lights went out.

Read Full Article: Not easy to find help on brink of foreclosure