Most important thing to remember is that financial stress can be REALLY hard on people ! Everyone reacts differently. Your husband is probably going through alot of emotions, especially if he has been unable to support his family for awhile now. As well as emotions you will also go through.
There was no way to know that your house would take so long to sell. That is life. I have a friend in the same situation. In their new house but haven't been able to sell the old one and paying both mortgages is stressing her so bad her hair is falling out.
As for the teenagers, they dont understand. They think you go to work, you make money, you pay the bills. They dont know what the real world is like yet, and perhaps this can be the best thing to happen to them in the long run. Seeing what their parents did and learning from that situation ! I never had that to learn from, could have been very helpful .
You and your husband have to decide what is the BEST step. Perhaps see a trustee right away, it could be as simple as 9 months and your done ! Who nkows until you find out.
Good luck
