forclosure on home when husband is on active duty orders

by Stephanie
(Oklahoma)

My husband and I have been unable to make our mortgage payment as of January of this year due to the fact that they raised our payments without notice to a thousand dollars a month. We could not afford that much so my husband contacted our mortgage company to work something out. They stated that they could not take anything less of what the payment was. So we had no other option but to just not make the payment. So in July, they served us with a summons, but there was no court date on it. And then in August, they sent us a 1st petition and there was still no court date on it. On October 4th, my husband went on active duty orders with the National Guard for a year.

I contacted my mortgage company to try and send them a copy of his active duty orders and a copy of the soldiers and sailors act 6% interest rate cap. The lady was very rude to me and told me that we would have to pay almost 12,000 dollars upfront to reinstate the loan and until we pay that amount, that even though my husband is active duty, they would still foreclose on our home. What can I do about this?