The value of the home has dropped significantly in the past 5 years I have owned it. When I bought it, it was a foreclosure and now it is worth (according to my assessed property taxes for the year 2012) about half of what I paid for it in February 2007. So it is definitely upside down as far as what I owe on the property. There are no second mortgages that I have, and have never refinanced. The only other debt I have is school loans and my credit card (which unfortunately is higher than it should be due to the battle of finding a job). I cannot afford to hire an attorney, as I just got my first paycheck from the MN DOC, and have spent most on my utilities and paying the credit card bill. The mortgage company (Wells Fargo) put me on a 90-day moratorium in June 2011, which expired in October. I have not made a payment to them since June (because funds would not allow due to the low paying part time job I had obtained during that time).
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Today's Featured Article - A Brief History of Tractors in Australia - by Bob Kavanagh. After Captain Cook's exploration of the east coast in 1770 the British Government decided to establish a penal colony in Australia. The first fleet arrived in 1788 and consisted mainly of convicts who were poorly equipped and new little of farming techniques. The colony remained far from self-supporting and it was not until the early 1800's that things started to improve. Free settlers started to arrive, they followed the explorers across the mountains and where land was suitable set up farms. T
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