"I gave her a call and said, 'Maybe we should make an appointment, ' " Dr. Filer says.

WSJ: When Doctors and Patients Are Facebook Friends

But if you're really stretching, if it's a husband and wife and the wife lost her job and they can barely make the payment, call up and see what the lender can do for you before you start missing payments.

FORBES: How have your funds been doing lately?