I was out on disability in October,my younger brother passed away in November. (had to pay for funeral and casket)I was unable to keep my nov. and dec payment arrangement for my forbearance. I sent $1000 good faith partial payment, the bank returned it. I received a demand for the oct & nov payments after the 7 day deadline they gave me. I can not get through on the ivr as their volume is too high so the their system hangs up on me. I sent documentation of the obituary, the receipts which shows that I paid more on the funeral than what was owed for the oct and nov payment. While the bank returned my partial payment to me they did not return the documentation I sent. If I am able to come up with all past due can I save my house?