[proud wife!]

We are behind one payment already, but can't afford them anymore what so ever. The bank is not working with us, and it's bringing in far too much stress. Anyway, we already got a notice saying we are in default. (they think we are two months behind, but the notice was sent in on the say we payed a payment). Anyway, what do we do from here?

[JohnGalt]

Talk to an attorney in your state, or local consumer board. Find out your legal rights and responsibilities. Do NOT take free advice on the Internet.