Tag442,
Glad you found the forum and posted
First thing you will need to do is send them a hardship letter:
First thing you will need to do is send them a hardship letter:Examples of a Hardship Letter here is an example. here is an example.
Contacting them on a regular basis, and documenting each contact is necessary. They will instruct you with the other paperwork they will need from you.
If possible, send the hardship letter certified mail so that you have documentation that they received it.
Unfortunately, since you do not occupy the houses, non-profit help is not possible, nor will the presidents plan work for you.
Contacting an attorney would be another option. Beware of "loan mod" companies , as the vast vast majority of them are scms.