Jim, sounds like you need some help and you need it quick. Have you spoken with your Mortgage company yet? You need to have an open communication with them. You usually don't go to jail if you go into foreclosure, but I would definately make contact with an attorney as well. Have you spoken with a Realtor? There are Realtors that specialize in foreclosure that could give you useful information. How far behind are your tenants? Why are they still tenants? You should have them evicted and get someone in that can pay! Don't wait. Do something now! Good Luck, let us know how things turn out.