dont do anything but continue to pay it, so many people are losing everything over a phone call with questions or agreeing to some new payment plan and then get screwed, these companies are looking for any reason to cause problems and get you tricked in to "doing the right thing" which turns out to be the wrong thing. Some that tried to refi only lost their house because upon further review the lender determined that their current status disqualifies them from the mortgage they currently have. It all in the small print. Just dont fuck with your mortgage.