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Hi. Thank you. I am already in the process of working with my mortgage company on a modification. They told me not to fall three months behind as it makes the process more difficult. I only have until the 30th to make that 3rd payment and I will not make it. I have terrible credit due to my divorce ...

I am a single Mom with 2 great children. I am going to be 3 months behind on my mortgage as of December 1st. I am modifying my mortgage and need to stay only 2 months behind I was paying on time and then my car died. I was without one for over a month and live in a very rural area with no public tra...