Sometimes it can be difficult to keep up with the mortgage payments. When you fall behind, for one reason or another, your natural instinct will probably be to hide your head in shame and try to avoid the situation. It's difficult to call up the bank and let them know that you're having financial difficulties and it may be just as hard to pick up the phone when you know that the bank is calling to find out why your last mortgage payment was late.
Let's take a step back and remember why you were first given a mortgage in the first place. You were approved for a mortgage because you had shown yourself to be trustworthy with money. Your credit was probably good, your income was high enough to warrant an approval and you weren't carrying a high debt level
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