Though if that???s the case I find it hard to imagine being able to hide that much debt.Also I was a little confused by:???At the start of our debt recovery in March 2012, our financial net worth excluding the value of our home was less than $100K. Our home is valued at about $500K.???So including your house you have a net worth of a little under $600k with debt of $393K. Doesn???t seem that bad.