We have a Mortgage with Indy Mac Bank (One West) we are financially POOR. WE WANT TO FILE A HARD SHIP...WHAT MUST WE DO... PLEASE REPLY AS I HAVE FILED A HARD SHIP TWO OTHER TIMES AND MY PAPERS ALWAYS GET LOST AT THE BANK...why?????????? WE ARE UP TO DATE WITH OUR MONTHLY PAYMENTS...BUT IT TAKES MY WHOLE SOCIAL SECURITY CHECK TO MAKE THESE PAYMENTS. PLEASE REPLY read full review »