I became behind in my home equity payments due to an emergency health care issue with my husband. On XXXX/XXXX/14 he had emergency XXXX XXXX XXXX. He was the only one working in our household at that time and he did not have temporary XXXX from his workplace, therefore we had no income. I got a job in XX/XX/XXXX making {$350.00} a month, while continuing to look for employment. All our bills subsequently were late due to lack of income. I applied for assistance from the State and our Church, but was denied monetary assistance. I contacted every creditor to let them know our situation. 

I tried to get help for a loan modification and by the time the department finally got back with me, I had a full time job and my husband went back to work. This process took 3 1/2 months. 

I have been working hard to catch up on all the past due bills now that my husband and I are back to work. I have been making payments on every payday to catch up. PNC continually calls me three to 4 times daily on my cell phone. I am not allowed to accept calls at work. They also call my husband while he is at work, and he is not allowed to accept calls. They never leave a message, but call three to four times daily, even though I have explained the circumstances to multiple callers several times and have made weekly payments in an attempt to catch up with the bill. We have over XXXX in medical bills due to this circumstance, so we are trying our best to pay everyone. PLEASE HELP!