[quote] She can't even understand how loans are structured and has no interest in knowing. Eventually she rags me on why I'm doing this without involving her. [/quote]

You said she can't understand these things, not me. You also called your wife a [censored] on wheels. That she may be but she is your wife and you are married to her. Feeling that way about the woman you are married to isn't a great place to be for either of you. It might have something to do with how she is behaving.

If she is showing no interest as you say, I would say she DOES understand perfectly well and her way of dealing with the stress of it all is to not deal with it at all.

When you say you want her to be part of the solution, you are not saying what the solution is that you are sitting down to explain to her. If you are continually sitting down to explain the problem, she will not want to hear it any longer if you don't also have some options.

And I get the picture perfectly clearly thank-you. If you are at risk of foreclosure, you maybe should ask her which solution she thinks is best, or tell her YOUR preferred solution and ask for feedback on that.