Falling behind on my mortgage over two years ago due to hard time my a/c unit stop working in heat of summer .my 85 year old step dad stay with me and he home all day not in good health.my daughter was in a car accident had no insurance on the car that she was not supposed to be driving at he time. fall behind trying to pay the man for his truck that my daughter hit and replace my a/c unit was two mo. behind still one months can’t get caught up been in foreclosure before some how got out of it..