Keeping My Home

Since having chemotherapy for ovarian cancer, I've had cognitive difficulties. It's been very hard, because I run my own business and care for my children and my elderly mother alone.  Over the past year there was an increase in my problems with fatigue, memory, and organization.  An undiagnosed thyroid condition made things worse.  I've been working hard with doctors and therapists to adjust to the problems with my brain and have developed strategies to make up for those deficits and I have new medication regimens. But while I was getting increasingly sicker I couldn't take care of everything -- including medical expenses and fighting for custody of my youngest child --  and I  got behind on bills.  I'm now in danger of losing my home if I can't come up with an additional $12,000 in the next 30 days. I work at home, so I will also lose my business. My son is in college and it would be very hard for him to stay in school. My youngest child will lose admission to the top magnet school he was just admitted to. My mother is over 80 and would have nowhere to go.  I've always been the person who took care of things, and it's killing me that because of me and the broken parts of my brain, I have put other people in the position to lose everything.  I still work every day, but this is something I can't work my way out of alone. We would appreciate any help.

I have applied for a loan modification, but I don't know if I will qualify In the event that it does come through, I would refund any money over the cost.