Any mortgage for which the debtor has failed to make one or more scheduled payments is considered to be a delinquent mortgage. After a mortgage has been delinquent for a specified period-usually three months, but varying by state-the mortgage company will typically begin foreclosure proceedings. Note that missing a payment one month and then making a payment the next does not make a delinquent mortgage current-the missed payment must be paid in addition to all of the other scheduled payments. Similarly, partial mortgage payments are usually not accepted. Most mortgage companies will deal with debtors individual circumstances if contacted before a mortgage becomes delinquent. If the mortgage is already delinquent, most mortgage companies won’t have much sympathy for a sob story-no matter how legitimate it may be.