[Sand'N'Sable]

my lender foreclose on my house? First, I am not currently in default on my mortgage. We have just had a really hard time paying it each month. So we applied for the Making Home Affordable Refinance program. After months of faxing in paystubs and harship letters..etc, we finally got some news today. They sent us a Moratorium Letter which says that we have 4 months to not pay our mortgage, but then we are "supposed" to pay the balloon payment. The Wells Fargo rep told me that 99% of people CANT pay this so they tack it on to the principle and work something out then.. Please help. Should I accept this moratorium??