Hi Tina,
catching up with your posts. I can see why you are feeling extra panicked with your dad’s home on the line.
I definitely think you need some specific financial advice for your place of residence. Here we have non profit credit counseling agencies that work out repayment arrangements if possible, or bankruptcy trustees who advice if you are eligible to file for bankruptcy if that is the only option. They would know whether your father’s home is at risk. Good suggestion about selling your share of your father’s home to him or even giving it to him maybe to be returned to you upon his death or move to long term care. Then there will be no risk of losing his home. It is quite possible as IDI says that you can negotiate with your creditors directly. See if you can get some answers first so that you are negotiating from a place of knowledge. I know someone once told me that they are more willing to negotiate after you miss a couple payments. But you’d want to make sure your property wasn’t at risk first.
I too live in a seaside village and know the peace that the sounds of crashing waves and sea side birds brings. There are times I’ve thought it saved my sanity.
Wishing you strength to tackle things. I can’t promise you but often it isn’t nearly as terrible as we think.
Have a good week.
Laura