I am behind in my payments and worry about forclosure . When I set my mortgage up I could afford the payments 5 years ago . Since then my paycheck has dwindled and I have a hard time making the payments . So my wife decided to not make the payments for a few months hoping things would change . Well they haven't and when we contacted our mortgage company they said gee that's too bad and we don't have to help . So they offered us a short sale or mail in the keys . We were wondering if anybody knows any government programs to help us . My wifes family has offered to help catch us up but after that could be done to lower the payments ? We talked to the company once about lowering payment and were told hey we don't have to since we dindn't take any government money for help .