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Just today, I received a letter from my mortgage company saying I was in default of my mortgage and needed to pay the tax and send a copy of the receipt to them immediately.

First: Read the terms of your mortgage. There should be a statement in there regarding the consequences for non timely payments.

Second: contact your mortgage company (in writing too) and explain your situation. They really don't want to foreclose on your house, so as long as your repayment is in a reasonable amount of time (3 paychecks seems reasonable to me). They should be willing to work with you. Make sure you get a manager's approval and not just some clerk's OK. Your house is a pretty large investment to trust a verbal OK from someone who may not have the authority to approve your payment agreement.

Third: Stay cool. Communication is the resolution to your problem.
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