[slowbutspeeding]

Thanks for your quick replies and information Komara. I'm providing our monthy income and expenses information in the hope that you'll look over it and provide suggestions or other information that may help our situation.

As of mid-December, our combined monthly income is $6000 and our monthly expenses are approximately $4750 (however, last summer our electric bills and gasoline expenses were double what is displayed below):

Mortgage: $1770
Car Payment: 500
Groceries/Household 400
Credit Cards 400
Auto Insurance (two cars) 350
Gasoline 300
Cell Phones 300
Electric (average) 180
Other 150
Gas (average) 100
Water (average) 25
Home Phone 75
Cable 75
Medical 50
Internet 30
Trash 20
HOA 20


As you can see, I have a surplus of approximately $1200/month with my second job. When/if I quit that job my income will go back to $2200/month and we will be $350 in the negative each month, which is where we had been from February to December 2008. How possible would it be for them to lower the interest or at least add the past due balance to the end of the loan?

I look forward to any further information you may provide. Thank you again.