Scared

This is a text conversation between my wife and myself.

Her:  I'm scared
Me:  Why?
Her:  I feel like I've ruined us and I'm scared I can't fix it.

Now I find it amazing that over the course of the last 5 months when I have tried talking, begging and screaming at her to take our situation seriously, my wife seemed to care less.  The mortgage company sends a letter in the mail stating they are ready to start foreclosure procedures and now all of a sudden she is scared.  She is right to be scared.  I can't get us out of this situation by myself.  Either she is going to step up or we are going to get put out.