is foreclosure coming

okay so i finally checked the mail last Sunday and there was a note that since our mortgage is two months late we need to call them immediately to schedule a face to face interview. I did this but they were closed but what really scared me is during the prompts it said you have reached the foreclosure dept...YIKES..well as you can guess my Easter was stressed but i didn't tell my husband. I don't want him to stress cuz he goes crazy...so anyways on the way to school this morning i spoke to somebody and he said that i didn't reach the foreclosure dept but i did show a letter of intent went out on my account. What that means i don't know he said i would have to get my certified letter however i can never make it to my post office which closes at 4:30. so anyways he said i qualify for some special repayment plan. I am stressed and doubting if i want to do this though. i know a friend who did this and that is how they lost their house. I should be able to catch up in my since i have three checks. well either way they are supposed to call me about this program with a specialist and but my account on hold...yippee...if we could just get caught up than it would be wonderful for us to stay up and even send little payments here and there...that is what i have been doing. me and hubby have been brown bagging lunch so whenever we don't eat out i sign onto his old credit card, our schools, or his truck and make an extra payment of what we probably would of spent for lunch that day. You might be wondering why i don't sign onto the house..well since i am behind on the house they have taken my payment option of paying on line away. to me this doesn't make sense since you would want your customers to have every option available to pay don't you think?
here at work it is a wonderful day. I normally have 22 kids here in my pre-k class but i guess everybody was either tired or still out of town from Easter because i only had 9 kids today. WONDERFUL!!!