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  1. Worked hard most of my life. Always made payments on time, and lived within my means. I fell sick (terminal illness, so they say), so have not been back to work. Spouse still works no state benefits. We both fell ill at the same time. Spouse now has a permanent disability but still manages to work. Problem is are we being railroaded? Have two homes. One we inherited and another a house we brought together. The latter should have been paid off for in 2011, but it had an endowment attached to it. Since banks near collapse and state takeover. We have been told that endowment ne
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