Okay, don’t panic. I can go in and explain the situation to him. He has to listen to me. He has to realize that foreclosure is a real possibility at this point. It doesn’t matter what I do or say, the possibility is out there and I may not be able to stop it.

She took a step towards the front door and then stopped. He wasn’t in the mood to listen to a word she said. She should give him space and deal with him in the morning. Maybe with some time to cool off, he’d be willing to hear her out.

She turned back to leave and then realized that except for her nylons, she was barefoot. No wonder she was so cold. Tiptoeing back, she eased the screen door and front door open as quietly as she could and retrieved her heels from just inside the house, where she&rsquo...

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