“A day after the show, I called our mortgage company, and they told me, ‘Your property has been sold back to the bank,’” Greg recalls.

“I was just crushed, scared,” Brandy says. “We moved out of the house four months ago. We were able to find a three-bedroom apartment. Things have improved in a lot of ways. I started working with Loral, started making money. I have four major accounts right now. Last month, I made about $6,000. Greg started making good money. Last month, after closing $3 million in volume and loan amount, he’s just positive.”

“Now that we do have the income coming in, we can get a grip on our debt,” Greg says.

“Meeting Dr. Phil and the help he gave us unparalyzed us, kind of kicked us into action,” Brandy says.

“We can get through this. We do have the momentum now, and it’s going to work out,” Greg says.

Loral Langmeier is a best-selling author, entrepreneur and self-made millionaire who helped Brandy and Greg. She explains how they turned it all around. “They got very focused. She started doing eBay as a hobby. She had a virtual assistant business, expanded her eBay business and really got into social networking for other entrepreneurs. And he got focused on mortgage in the right way, like, loan modifications, so he made a huge turnaround in six months.”

“So she’s working from home as a stay-at-home mom,” Dr. Phil says.

“Four kids,” Loral says.

“And generating $60- to $75,000 a year in income.”

“Right,” she says. Loral says Dr. Phil’s guests, Jay and Erin, and Terry and Julie could do a lot more to put cash in their pocket, like tutoring, virtual assistant, online sales through eBay and Craigslist.