I realize I need to add a fact. I’ve been paying my mortgage. So why am I delinquent?
Way back when, I looked at my unemployment (then six months) and realized the mortgage payment was part of the reason I was paying $1000 more per month than I was taking in. I requested a loan modification at that time. I was told I had to miss a payment to do this. I did so.
At that point I got a “trial payment” plan – a reduced amount to pay every month while the workout proceeded.
Know what? The shortfall in those payments count against my delinquency.
So I’m behind because Bank of America told me to pay less. And because I did what Bank of America told me to do, Bank of America will foreclose on my house.