Last year you went to the doctor for a check up and the next thing you knew the doctor was sending you in for tests. It has been a very hard year. All of those medical bills have wiped out your savings. you haven’t been able to pay a lot of them and now your credit has gone down hill. If you don’t refinance you could loose the house. It may be time to research adverse credit remortgages. Getting a lower monthly payment sure would be nice and getting your credit score up would be the icing on top. It is time to get back on track.