How to buy a house when you have too much debt

<p>PARK RIDGE, IL - OCTOBER 04: A "Home for Sale" sign points to an existing single-family residence for sale October 4, 2006 in Park Ridge, Illinois. The slowing of home sales is projected to result in lower home prices in 2007, particularly in the Northeast, Florida and California, according a report released October 4. (Photo by Tim Boyle/Getty Images)</p>