Lifted straight off of Dave Ramsey, so please give credit where it's due.
I'd also like to include that you may want to tithe/give to charities.
Also, cut WAY back on eating out/fast-food, etc. It's soooo expensive. You can make good, cheap, and even ready-to heat meals at home for "pennies."
Yes, desperation can send you in different directions, It does it scary.. What you went through should have never happened. It would have better if you filed a Bankruptcy,
FYI: Call BBB...
For the record, in Step 9, "doubling" your house payment/mortgage simply means paying one month's additional "principle". It doesn't mean you have to double the entire payment each month. Most loans allow you to do this. Check with your bank. If they don't allow you to do this, get a different bank! Plain and simple. It really works.