Trial payments "6 months" and forcloser letter?

We've been in a trial payment plan for 6 months now with them always saying they'll tell us what they would do in 30 to 45 days every time I've made a trial payment. Reciently We recieved a "what I've been told" system generated letter saying that we're in default and that the forclosure process would begin if we don't bring the payments current in a very short time. The trial payments are lower than the original payments and we've made all "both trial and normal" payments on time even before this all started. They said verbily EVEN TODAY to ignor the letter and wait for their answer. Now they also say there is nothing the can do to assure me that Forclosure wouldn't go forward unless I bring the payment to a current status, which now also includes late charges and penilties for making the lower trial payments... I've withdrawn money from my IRA to offset the loss of income do to the loss of my employment and solid hourly income to make the payments and could have made all the regular payments so far as well with that. I'm currently unemployed and looking like you wouldn't believe with no good results,, I'm 51 years old, hold a realtors license that costs to maintan and operate "with nothing really selling" a life health and accident Insurance license that, also do to the health care issues isn't selling either. We have one income. Any advice? Do I need a lawer now? I don't want to bleed my IRA any longer waiting for the results of their consideration.