Financial advice?
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If you don't stop taking out payday loans you'll never get ahead. They charge ridiculously high interest. Call your mortgage co. and tell them you are a little behind and ask if you can only pay the interest this month. Since you haven't had the house very long the interest will be most of your payment though so it might still be a stretch. See if there's a credit counseling agency in your area. They can't help a whole lot with the mortgage but they might be able to help lower your payments on your other loans so that you'll have more cash free to pay your mortgage. Other than that, is there anything you can sell? You or your partner might want to try to get a second, part time job until you can get caught up and get things under control. If either one of you like to get up early, get a paper route. You might be surprised how much you can make. Or one of you could deliver pizzas or wait tables in the evening.
Financial advice?You sound like you are trying to be responsible. The responsible thing is to sell your house and pay off the debts, rent for a year and try to start over again fresh.
You can look into filing a chapter 13 bankruptcy, putting all derogatory acounts and late payments into that plan, settle on a low monthly payment to the courts for 3 years, and make your mortgage payments outside of the plan. That would also be a responsible thing to do, because you are still paying back the debt.
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