My husband and I bought a home "contract for deed" one year ago. At the time, it was the perfect solution to our needs. Things have changed and we can't afford the payments any longer. We have not missed any payments as of yet. We are wondering if there are options for us to cancel a contract for deed without the risk of going to court or damaging our credit. The seller of the property is not particularly friendly and I hesitate to talk to her about it prior to knowing what our options are.