I guess I'll just jump right in. We have 3 loans, our Home, Commercial Property (which houses my business) & Home equity loan. First off we have lived in our home for 18 years & refinanced 8 yrs. ago to buy the building that houses my business. At that time the loan officer (family member) suggested we do a ARM loan. Trusting her we did. After research & 3 years of increasing payments we tried to lock in our 2 mortgages & found that we had built no equity in either property. Leaving this bank & finding one that would suit our needs we managed to lock the properties into secure loans. The payments increased but we managed to make them & things seemed fine until 2 1/2 years ago. My husband is an Auto-worker, we have been dealing with long unscheduled lay-offs, short work weeks & unemployment arriving at later dates than a regular paycheck. Being a business owner my pay varies from week to week plus the fact we have double bills. Our savings have disappeared, we have cut back on everything extra that can be cut back on. Still we have struggled to make ends meet. We also have children to raise. There are no toys to speak of those are long gone, so there is nothing left to sell. My problem is we have been late making our mortgage payments, not missed any but late. I have all my bank statements showing they have been made. This bank takes 10 days to process and post a payment making it over the 30 day mark and adding even more late fees to our accounts. They are showing us almost 2 months behind & have sent letters to our front door. They will not listen when I tell them I have made the payments and I have proof. I am facing losing my home & my business over late fees. They will not give us an extension, skip a payment, modify, nothing. I don't know where to turn. Can any one help us or suggest what I should do? I have no where to turn for the money, I had an IRA from a previous job that I have already used to try an catch up but it didn't put a dent in it.