[husker boxster]

Sorry to hear about your situation.

I suppose you only had a verbal agreement with your mom? If you've been upholding your part of the agreement, technically she shouldn't be able to break the deal.

However, if that's not possible, then I would look for a modest foreclosure that you can afford. Your $300 car payment isn't that bad, so unless you downgrade to a Hyundai I would keep it.

But, I wouldn't throw it onto the mortgage. That would mean you're paying for your ten yr old car for the next 15 or 30 yrs. Not a good idea. Here are some numbers to consider:

Don't know your current loan %, so I'll assume 7%. At that rate, the interest on $10K for 36 mo is $1115.

5% for 180 mo is $4234.
5% for 360 mo is $9326

You may need to get a real part time job to help get you through this rough patch, but it sounds like you're already doing that.

Good luck.