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So sorry to hear of your troubles. If you are two months behind in your payment it's important that you speak to a housing counselor as soon as possible. You can find one in your area by calling 800-569-4287 (for the Department of Housing and Urban Development). You can also find an explanation and timeline here for what happens when you miss payments and what you should do next. It's important that you speak to a counselor and get some good, objective advice before you miss a third payment.