Teresa, usually mortgage companies will not accept partial payments. If you have suffered a "catastrophic loss" (e.g. medical debt, uninsured casualty loss, etc.) you may want to ask your mortgage company about making "interest only" payments until you can come back up to speed. Know that your credit will suffer (a re-negotiated loan) and you will not accrue equity in your home, which has all the expense of home ownership but not the advantages.
In any case, negotiating a "debt consolidation" or even a Chapter 13 bankruptcy may be in order, which will allow you to discharge your other debts and keep your home if you maintain mortgage payments. With ANY discharge of debts, you really do need an attorney. Even if you fill out all the papers correctly, an ethical Judge will want you to consult with an attorney to assure that no one has taken unfair advantage of what you do not know about your contract and the law.
