I took a 20,000.00 pay cut, and now find that it's almost impossible to keep up with my bills. I've been late, actually overdrew my account & had a check returned on me, and if I wasn't living with my mother, there would be no way to pay rent. I talked to one attorney regarding filing bankruptcy. He advised that since my mothers house is in my name, and she has life time rights to the home, that if I file then I would lose the house upon her death. Is this true? I've been told by friends that you wouldn't lose your home. I've never been in such a financial situation in all of my life, and I'm getting very "scared". I'm looking for a 2nd job, just to try & keep ahead.......Thanks for any help her advise.....I live in VA if that makes a difference in the laws.