I haven't paid in almost 9 months. I'm a sub-contracter/carpenter that has lost a lot of business due to the economic crisis. I do have some work coming up early March (was supposed to start this week, but I came down with a chest cold/virus). The bank has not foreclosed yet (on two separate properties with two separate lenders). I'm thanking God everyday that I'm not in worse shape than I am. Any suggestions?