According to a recent study, people are happier in poverty than facing foreclosure. Close to 1 out of every 2 people struggling to find somebody to modify their mortgage needs a serious pick-me-up.

Researchers at the University of Pennsylvania School of Medicine questioned 250 homeowners going through foreclosure in Philadelphia and found that 47 percent showed symptoms of depression, with 37 percent exhibiting signs of major depression. The rate was especially high considering previous research showed that only about 12.8 percent of people living in poverty were depressed, the study found.

However, for those worried that there won't be a white knight to help them keep their home, help is on the way. The bank that Fox-Pitt Kelton analyst David Trone said could lose up to $68.6 billion through 2010 stemming from bad loans, Citi, is adding 1400 people to its mortgage unit to expand its book of delinquent borrowers. So cheer up people, Vikula has got you covered.