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I am sorry to hear about this situation. Can you please tell me:
1) What do you mean "report" your mortgage payments? To whom? On your credit history? Or are they saying that the loan is behind on payment and are threatening to foreclose?
2) Has your wife passed away? Is your name on the mortgage document?
This is not an answer, but an information request. I need this information to answer your question. Please reply, so I can answer your question. Thank you in advance.