And the economy claims another victim...
I'm at my wits' end. Just learned that we will not qualify for a mortgage modification under HAMP or standard terms because our income is now too low. When we bought our house ten years ago, I was making over $100K per year on top of my husband's $45K and we could easily afford our mortgage and anything else we needed. Set aside a nice chunk of money, too, for retirement and rainy days. Since I am self-employed, and have been for nearly the entire time, my income has always had peaks and valleys, but the last three years have been brutal. I work in consulting, primarily in the staffing and HR industries, which are the first to get hit and the last to recover. My income has dropped to less than $15K a year - about 10% of what I used to make. Our savings are gone; the retirement/rainy day-fund is exhausted and then some. We have ten days to find a mortgage payment, or we will go into foreclosure.
We're screwed. Forgive my complaining, but if I didn't get this out somehow, I was going to implode.
= new reply since forum marked as read
They will not accept it as a receivable because it is more than six months old. Considere uncollectable, unless I sue. That costs $ that I don't have. 
it sure doesn't hurt. 
there's always Powerball. 
Being self employed is tough. I had to make a decision when business got tight around 2008 to sell my house before it went that far. I hear ya' about the receivables. I don't know how many times I was deflated after checking the mail, in need of enough to cover the mortgage, and there was nothing there. The worst offenders were actually the big customers like Cost Co, Toys R us, General motors. whereas the little customers always paid promptly and kept the lights on, and fuel in the vehicles. Now, I regret going that route though, and spend sleepless nights wondering if I did everything I could have done to have kept my house.
I hope something positive comes your way.