What qualifies as a reason for payment defer?

I was diagnosed Breast cancer and currently on chemo treatments until july, 2014. I was terminated from my full time job and my disability payments have some issue, Can I defer my mortgage until Im back to work

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You need to discuss this with your mortgage holder. Most will work with you to restructure your payments IF you work with them. There is no legal requirement that they do so. But they would rather have you as a customer than as a foreclosed property they have to try to sell. Call and set up a time to talk with them.