Please don't be embarrassed - we will be able to help and your case will be no worse that others I have seen in my career. The only way we can make suggestions to you is by knowing your exact circumstances. Can you confirm:-
1 The current value of your house
2 The amount you owe to the mortgage company and how much you pay each month.
3 The same as (2) for the secured loan
4 The amount you owe to unsecured creditors
5 The level of disposable income you have on a mothly basis, before making repayments to unsecured creditors.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk