As of January 31, 2107, The Home Savings and Mortgage Firm of Youngstown, Ohio was acquired by Home Financial savings Bank. I am now three months behind on funds due and the financial institution is moving towards foreclosure. Nevertheless, I might not threat it. If you presumably can, you should try to maintain paying your mortgage.
If there is anything you are able to do to maintain from falling behind on the mortgage for now, I might do it just to maintain from screwing that up. My dad (who truly bought me the condo) took me to a mortgage company, I used to be young and disclosed all the things.
As far as mortgage modification is anxious, it seems like our mortgage firm has been giving us a run round. Whether or not they can garnish cash from your checking account is determined by what the law is for deficiency judgments in your state.