I have a mortgage with an interest rate of over 9%. It is not an adjustable mortgage. the company recently raised my payment $160 per month under the guise of insufficiency in escrow account. All expenses paid from this account have remained basically the same as at the time of inception of the loan. The documents I signed stated a monthly payment of $1,070.42. They are now demanding a monthly payment of $1,235.60 but cannot or will not explain where the extra expense comes from. I am now two months payments in arrears, although I continue sending them monthly payments of $1,235.60. They are threatening foreclosure. I am a widow, 77 years old and on a fixed income. I have been unsuccessful in search for employment and have no relatives willing or able to assist me. This mortgage company has a history of high interest loans which they manipulate to cause or claim nonpayment and proceed to foreclosure, as evidenced by a multitude of published complaints. Their business practices indicate that their main goal appears to be foreclosure to assume ownership of homes under the guise of legitimate mortgage provision. I cannot afford to file a civil lawsuit as others have done. Where can I obtain legal assistance to help me save my home of 18 years?