My day started with a live in studio appearance on KNPR's State of Nevada about dealing with the fallout from foreclosure. It was a very eyeopening and interesting experience. You can listen here if you'd like. Scroll down to the last segment "life after foreclosure."

A lot of people, including my boyfriend, were pretty shocked that I would go on the air as someone who went through foreclosure and bare these personal financial details. Here in Las Vegas, there are THOUSANDS of people who like me, took the red pill ... for whatever reason. I felt my story and my questions were ones that a many of the listeners would find all to familiar and probably wanted the same answers.

Foreclosure or bankruptcy used to be a big scarlet letter, but living in Las Vegas right now .... it's so common as to have lost a lot of the stigma and shame once associated with it. People who work at banks are trying to work through all these loans, meanwhile they themselves are being foreclosed upon. It has hit every income and every demographic and it's face is your neighbor. I really feel that the REAL financial crisis is not trouble on wall street or failures in the big three automakers ... it is this huge loss in housing values that is forcing people out of their homes. The widespread impact on local communities will be devasting as neighborhoods fall into disrepair and property values stay far below "real" vlaues.

I'm glad I did it, even though I learned some things that make my situation better and some that make it much worse. The most important thing is that these problems do NOT GO AWAY and you need to proactively deal with your bank or with a credit counselor or lawyer.

Listening to the audio on the web while I am typing this, I learned that my voice recorded sounds much different now then it did a few years ago .... and I sound like my grandmother Kay and my Aunts.