should I stop paying now?

I have never had a 30 day late on anyhing, and I'm scared to death to do it now, but I am struggling so hard to make my payments, I used to pay before the due dates on everything, now I pay the very last day it will be reported late. if only I didn't have that darn 2nd mortgage payment, that just hurts! expenses have gone up, some income has gone down and I raise 2 kids and am about to get divorced ( he only provided me with 300 monthly for about a year anyway) so thats really not the reason why Im struggling, but the 300 did help.I dont know what to do!! so many people just stop making payments. But I am afraid to do that even though I really cant afford to make them right now..I sent paperwork in to consider for a modification, can I not make this months payment??what will happen? my electric bill hasnt benn paid yet or my water/garbage payment..should i pay those and not my mortgage?? my monthly gross is about 2300, my 1st mtg is a 30 year fixed at 6% ( which I know is good)I owe 160,000 on my first and my 2nd in over 7% and i owe 25,000..
what do you think?? should I stop paying this month, what if they dont modify? I would still be having my same problem but now with a late payment? help please...