I AM A SINGLE WOMAN AGE 54 AND RECENTLY MY YOUNGEST CHILD LEFT THE NEST.  I HAVE STRUGGLED FOR 20 YEARS TO GIVE MY THREE SONS A STABLE HOME LIFE.  MANAGING TO MAKE THE MORTGAGE PAYMENT AS A SINGLE MOM HAS BEEN TRICKEY.  I RECENTLY REALIZED THAT I AM INVOLVED IN THIS SUB-PRIME LENDING SCANDAL AND HAVE BEEN TAKEN ADVANTAGE OF BY SOME REAL LOWLIFES.  I HAVE WORKED MY WHOLE LIKE AND WORK 50 HOURS MINIMUM PER WEEK NOW AND AM FINDING IT DIFFICULT TO MAKE THE MONTHLY PAYMENT OF ALMOST 1000.00 WHICH DOES INCLUDE MY PROPERTY TAXES.  MY CURRENT MORTGAGE IS 110,000.00.  THAT'S HARD TO TAKE, SINCE I PURCHASED THE HOUSE IN 1975 FOR 36,500.00.  I REFINANCED TO GET MONEY FOR MY BOYS TO GO TO COLLEGE AND ONE WILL GRADUATE IN JUST A FEW MONTHS.  I AM VERY PROUD...BOYS ARE AT RISK WHEN FATHERLESS AND MINE HAVE DONE NOTHING BUT MAKE ME PROUD THAT I WAS DETERMINED TO KEEP THEM IN A SAFE AND STABLE SINGLE PARENT HOME.

I AM SEEKING SOME ASSISTANCE WITH FIXING MY KITCHEN.  IT IS A GALLEY STYLE, VERY SMALL AND ORIGINAL TO 1975.  CUPBOARDS ARE BASIC CHEAP PINE,NO DOORS AND IMPOSSIBLE TO CLEAN.  THE COUNTERTOPS ARE SMALL AND THE GENERAL DESIGN OF THE KITCHEN IS DIFFICULT FOR ME TO ACCESS AS MOST OF THE LOWER CUPBOARDS REQUIRE GETTING DOWN ON THE FLOOR AND CRAWLING INTO..STRANGE CORNER DESIGN AND I HAVE DIFFICULTY AS I GET OLDER SITTING ON THE FLOOR AND THEN CLIMBING INTO TO GET POTS AND PANS, ETC.  MUST HAVE BEEN DESIGNED BY A MAN, OR SOMEONE WHO DOESN'T USE THE KITCHEN?  I NEED CONTACT INFORMATION TO GET CABINETS, COUNTER TOP AND FLOOR COVERING.  THE KITCHEN IS VERY SMALL, GALLEY STYLE, PROBALY ABOUT 10 FT BY 12 FEET, IT'S REALLY SMALL, BUT OK FOR ME.  I HAVE ATTEMPTED TO REPLACE SOME THINGS, LIKE SINKS, ETC. BY PURCHASING AT THE HABITAT FOR HUMANITY USED ITEMS.  THEY CANNOT HELP ME FURTHER SINCE I AM NOT HOMELESS, AT LEAST NOT YET.  I DO NOT MAKE ENOUGH MONEY FOR ANYTHING EXCEPT THE MORTGAGE, UTILITIES AND BASIC REQUIRED LIVING EXPENSES.  IS THERE ANYONE WHO CAN GUIDE ME WITH SOME INFORMATION ON HOW TO GET SOME HELP.  I CAN'T QUALIFY FOR ANY OF THE STANDARD "WELFARE" PROGRAMS SINCE I WORK MORE THAN FULL TIME AND DON'T HAVE  YOUNG CHILDREN.  I THINK I COULD DO THE WHOLE THING OVER FOR $5000.00 INCLUDING APPLIANCES.  ANY ADVICE GREATLY APPRECIATED.