I had two mortgages, both with CitiMortgage. The first was modified and I kept talking to a rep there who said they were now working on the 2nds. I just got a letter out of the blue today saying I was denied. Months have gone by and I am very behind. I never get calls from collections, just regular statements. I need to get caught up but it will be difficult with interest and late fees piling on. What will happen? Do they work with you in these instances? The letter says to contact credit counseling, but this is the only outstanding bill I have. I can afford the monthly payments now, but not sure what do about the accrued amount.

Call and see if you can get on a repayment plan of some sort where you'll pay the regular monthly payment and a little bit extra towards the arrearage. The repayment plan can be spread out for 6 months, 11 months. Did they give you a reason for the denial on the 2nd?