im34 and ive been trying everything to get help with my mortgage payments the grant offers are nice but you need a credit or debit card to even pay a two dollar shipping fee.  i was close to foreclosure once already was able to catch up almost all of it because my wife and i were both working at the same time long story short we have been cut i pay drasticly im only 2500 dollars away from cathing up on my mortgage but ive recently had a bankruptcy have poor credit and cant seem to get any help  i have tried everything does any one no somethig i dont on how to get help