Some updated information is available to those who have been foreclosed upon, and for those who are 30 days late (or more) behind in their mortgage.  Go to http://ago.mo.gov/mortgageSettlementInfo.htm.  This is Attorney General Chris Koster's website and it outlines the National Settlement (that Missouri is a part of), and options that may be available to you.  There is also special assistance available for Military Service Members.  You may get more information by calling the Missouri Attorney General's Office Toll Free at 1-855-870-7676.