I live in New York and am about to miss my first mortgage payment . Due to my pending divorce I'm having a hard time making ends meet , I have been paying my maintenance fees but find I can't do both. I was under the impression I had to be delinquent teo it more months before foreclosure starts but then I read laws r different for coop vs houses. I've been trying to work with mortgage co before I got delinquent but so far they weren't very helpful do wZnted to know what is the sequence of events? Do they notify me or just put my apt for sale? Whst options do I have ? I can't sell as the house appraise for. $50000 less than what I owe mortgage please help !!!