Help repay the debt on the mortgage

In 2012, my husband and I took a mortgage of 10 years, this is our first home and we have no other, and we are already at 50 years old. To pay on time do not even completed the repairs. In 2016, her husband's monthly income has fallen by half, to pay the monthly payment on the mortgage left her husband and my salary.

There were due to part-time work, and in the meantime been accumulating debts on utility bills, which also threatened to sue. Began to delay payments on the mortgage to at least not a lot to pay off debts on utility bills.

Asked the bank refinancing, a refusal, but the bank offered to the credit vacation, that is, year pay only interest without payment of principal. This year we were only able to pay off debts. Now after this, the monthly payments are not feasible burden for us.

We paid as we could and the bank has requested to return the full amount of principal, interest certainly almost all selected, and the principal debt has been reduced quite a bit, to more and increasing fines and penalties.

We are in such despair in his old left without shelter. After all, the mortgage we have no one else will, and at his own expense will not be able to buy. Please help us in our distress. 4276300015962361.