As much as it stinks, I think it may be time to call your mom. See if she will loan you the money you need to catch up on your payments and show up at the lenders with a check in hand. Nothing like cold hard cash to motivate people. I seriously doubt that the company would turn down a check that would get you free, clear and current, after all who wants more foreclosures I'm sure they have plenty of those as it is.
Sending out fresh streams of vibes to you in this difficult time.
Julie mom to
Hilton skin kid 2/13/99, love of my life
Cody 10/5/06 flashy fawn boy, docked and floppy, sweeter than sugar
Aniah 5/27/08 classic fawn girl, docked and floppy, full of the badness