Open Question: If I buy a house in my neighborhood and rent out some of the bedrooms, can I still tax deduct the mortgage?

I feel stress free now that my mortgage is up to date and I would like to pass on this great opportunity to other homeowners who are going through what I went through. If they would like more information how I was able to catch up just have them email me or respond

Open Question: What is a loan modification?

A girlfriend of mine just recently received a loan modification, due to an illness she got behind in her mortgage payments. She is concerned that her interest rate is still high. What can she do, if anything?

Open Question: IM OVER MY HEAD IN DEBT... CAN YOU ADVISE WHAT I SHOULD DO?

I owe 117,000 on my home, I owe 36,000.00 on a second mortgage... and owe $15,000.00 in credit card debt. My Yearly net wage is: 48,880.00. PLUS my tenants pay $650.00 per month. YET I cant seem to make ends meet. WHAT ADVICE can you offer? Do I need to file BANKRUPTCY?? I cant afford to purchase food or medical for the household anymore...
Please let me know my options. Your thoughts and advice is greatly appreciated.
OK.. If Im over my head in debt.. should I file for Chapter 13 or Chapter 7??? I don't wanna LOSE my house!!! HOW do I file for Chapter 13? Do I need an attorney on MY BEHALF??? Please tell me DETAILS OF HOW and WHEN I should file. ALSO, do I need to file against ALL my creditors or only the ones I choose? Your imput is requested here.. please leave me your email address for further discovery.. Thanking ALL who responded!!