Hey, Ben! Sorry you're having a hard time. Just wondering, do you mean that the amount you're paying wasn't taken in to consideration when determining what your ongoing debts were? Not sure what you mean about the child support thing. In any event, if you can't afford your payments anymore for valid reasons, you should seek advice from an agent that may be able to help you with a short sale. Or, perhaps your lender would consider a loan modification program to lower your monthly payments, either temporarily or permanently. Check things with your lender first to see what you can do. Then, if you don't find satisfaction there, find a good agent who is experienced in short sales. It will still ding your credit, but it's not as bad as a foreclosure. Good luck!