Husband and self out of work for two years. Sold all land and cashed in all 401K to survive. Husband now working, not as much money as last job. Three months behind. Sent them partial payment they sent it back. Have tried twice for remodification loan. Tried for unemployment deferral with servicing company- they said he didn't qualify(he was unemployed).They have stopped calling. I know that this is not a good sign. They are a servicing company. They do not hold our mortgage. Can they foreclose? I read that they can't.