I met with our lawyer today and he assured me everything will be OK. When I pay the month that I am behind on June 30th (payday), they should tack on the laywer's fees to our mortgage like they do late fees and you just pay them at the end. I hope this is the case. He said there is no chance they would think about foreclosing. I DO NOT want that! He said we don't even need to go to the hearing which is July 14th-2 days before 341. So I am not gonna panic