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Dear Debt Adviser: I am emailing you in hopes of getting some honest advice. I recently owned a condo in Atlanta, and I financed it with two mortgages. I used a first mortgage and a home equity loan/line of credit. This was not my primary residence. I'm one of the many people who tried to rent out my condo because I couldn't sell and break even. Long story short: The bank foreclosed three weeks ago. I continue to get threatening calls from the bank concerning my equity loan. So my question is: What should I do about the loan balance? I don't have the money to pay it off. Will they take me to court, garnish my wages or just keep calling me? What's your advice? Thanks in advance." AdamDear Adam: If this wasn't your primary residence, then I'll assume you bought this condo as an investment hoping to make money. When an investor plunks down money on an asset, it is often said they are making a bet. In your case, you bet and lost. As a result, the rules that govern unpaid mortgage debts in your situation are different from those of a homeowner who buys and loses a home he or she bought as a primary residence.

BOTH small and large businesses have fared well from changes in the official cash rate over the past decade with strong competition among lenders keeping a lid on rate movements.

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The former BART police officer convicted in the shooting death of Oscar Grant will be back in court today.

Rogersville Police, along with the Lauderdale County Sheriff's Office and the FBI have made an arrest in two recent crimes. One was a burglary at Easy Money Pawn Shop in Rogersville and the other was an armed robbery at Greenhill First Metro Bank.

CHARLOTTE (AP) - Carolina president Danny Morrison says the organization is considering renovating 16-year-old Bank of America Stadium.

HAMMOND The Northwest Indiana Small Business DevelopmentCenter offers its business feasibility workshop from 6 to 8 p.m.Jan. 17 at the Hammond INnovation Center, 5209 Hohman Ave.

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