Q: I fell several months behind on my mortgage and my property taxes when my hours were cut back earlier this year. Fortunately, my lender agreed to modify my loan, and now I'm on time with my mortgage again. Unfortunately, this did nothing for my property taxes, and now I'm about $5,000 behind. There's no way I can come up with that lump sum on what I make. Do you have any suggestions for how I can catch up?
A: Count your lucky stars that your lender worked with you at all. Your efforts to obtain a modification -- and your lender's cooperation -- have definitely put you in a position to recover from the financial trauma of lost income. This is a great time to get a handle on your tax situation.