Hello, I'm Pam Prince and I am living the housing crisis in Chula Vista, California. I hope by sharing my tale I force help others who may be losing their homes to keep equipment in perspective and remember what's vital…people not places. I went to Chula Vista 10 years ago as a widow with the two youngest of my seven children still in high school. I bought a house for $225000, a place for my family to gather and have fun, but also to find refuge and support for their life goals and adventures. One of the goals I set after my husband died was to carry on his and my plot to help our children achieve independence through education and development of their skills and talents. Though it was mostly through their own hard work and effort that they achieved success in their pursuits, I was able to offer back-up help when needed because I used my house as a source of revenue. Because the market value of my house continued to increase, I had a large amount of equity. Adding that to my exceptional credit history I was able to refinance and take out money for my own tiny business pursuits. And money to loan to my children for a variety of life-improving educational opportunities. My goal had been that when my youngest graduated from college I would sell my house thus meeting my financial obligations to the bank and go into a tiny affordable apartment as I started my new post-child rearing phase of life. Then the economic tsunami arrived. I saw the market value …