lender harassment

[Squyredog]

What is the name of your state? I live in Texas and I am having a problem with my lender. We are perpetually one month behind on our mortgage payment. My wife started to let them withdraw funds electronically from our account (which they charge us for), and in the past we have taken advantage of a skip-a-month plan they offer once a year. Recently they refused to delay the electronic transfer which was set up a couple of months in advace to help us avoid being overdrawn.
Our pay schedule falls on random dates every two weeks so we often have to wait an extra three to seven days to have large loan payments covered. The loan company is now harassing my wife trying to make her continue the electonic transfers although we no longer wish to do so. They are threatening to file for immediate payment of the loan balance served with an eviction notice if she doesn't let them continue electronic withdrawls. They have also refused to let us skip-a-pay to bring the account current.
What are my legal rights? Under what circumstances can they foreclose?