Find ways to cut down your living expenses and get a second job to increase your income. 

After all, no one is going to take care of your stuff, like you.I personally have enjoyed managing my property.Disclaimer: I was burned by a property manager and now manage myself.

All I care about is my credit score, and know this place could go to auction soon. 

Just be careful what you say about the lawyer to others, as you don't want to be accused of defamation.

Take care.

You are cut off from participating in something that people with money can.

For example, "have a house, car, take care of family, time/money to take vacations, etc" are all the "why" for average Joe. 

In the previous example I just cut the tree down and had roto rooter clean the line out one final time.

If your lender requires a security interest in the fee, the title company can agree to take care of all of this and then record the DoT after the fee and leasehold interests have been merged.

You could probably also forgo the garage below, which might cut out some of the cost (though not as much as you think), and also use a more cost-effective builder.