Dear Harry: My employer has cut us back to four days a week in a program called "save the jobs." As a result, it's getting very hard to keep up my payments. The payments on the mortgage are $1,434. My monthly income is $4,100. I heard that one of the new anti-depression laws provides for a mortgage-modification deal if the payment is more than 30 percent of my monthly before-tax income. Is this the case? If so, how do I go about getting in on the deal?
