I am in a financial mess and it is getting worse. I left NJ and moved to NC in 2008. I have been unable to get a job, had health issues, my dad passed and I now have care for my 88 year old mother and 83 year old aunt. I stopped paying my bills and have fallen WAY behind in my mortgage. Today the sherriff left a note on the door regarding a writ of execution from a creditor and a foreclosure notice is probably just days away. I am so frightened. I was wondering if I could declare bankruptcy and get put on a payment plan. I have a house with mortgage in arrears and a car that is paid for an old bedroom set but that is about it. All the furniture and appliances in the house have been bought and paid for by my parents and aunt. What should I do? I want to jump off a bridge but that isn't an option. Any advice?