I would have chat with your local CAB. There are various rights you have, and you don't seem aware of them. But get them from someone who's qualified to give advice, just to be on the safe side.(posted 8377 days ago)If it it were me, I would ask the CAB adviser whether or not s/he thinks that if you show the judge you have a proper plan to pay off the five months' arrears (and that you understand that under 'Naughton rules' [or somesuch thing] you have the whole life of the mortgage to do this in), then will you be OK?