charge off on 2nd mortgage making payments

My equity loan/2nd with B of A was charged off in Nov. of 2009 I beleive, and I've been making payment to B of A in NC, I believe their collections dept, where I let them take money directly from my checking account, since then; however recently I have a new account representative who called, and says that they no longer will accept the amount of the payments I've been making, but need quite a bit more now. I'm not able to make payments in the amount that they're requesting, and be able to pay for monthly expenses like food, gas, and utilities. I am not sure what to do. I'm current on my first mortgage, and am trying to pay the second, but this new person doesn't seem to want to work with me. I was allowed to make my current payment until 2/28/12, but need some advice before that time, as to possible ways to proceed. I'm not trying to get out of paying the debt. Can you give me any advice.
Thanks.