Americans families were having a difficult time making ends meet before the recession. With continuing unemployment and increasing costs of living, more and more families have to choose between necessities like health care, child care, and even food.

When the economy turns down, foreclosures on homes go up. Reports last week in the Central Penn Business Journal and the Philadelphia Inquirer show that Pennsylvania is not exempt. Many Pennsylvanians are finding it difficult to make their monthly mortgage payments due to circumstance