It’s been a tough couple of years for many of us. Many who were once comfortably employed, owned their home, and had savings put away are now scrambling to keep their head above water. When things spiral out of control, the time comes when you have to make decisions. Do you keep your car or your home? Do you buy food or pay the heating bill? Whatever your choices, you may find yourself in the position that you need to stop repossession. More and more, there are programs to help rearrange your financial life. From mortgage renegotiations to debt settlement, you may be able to avoid repossession of your car or home and start rebuilding your financial life.