1) If you don't make your mortgage payments, you will be in default. The bank will be entitled to foreclose on you and then, potentially also seek a deficiency judgment (i.e. after your home is foreclosed on and sold at auction, if it brings in less than the remaining balance due on the loan, the bank can sue you for whatever amount remains unpaid).2) Banks don't have to work with you if they don't want to, whether you pay or not; there is no way to force or pressure them to respond to you. Consider that while the mortgage is signficant to you, it is not even a blip on a bank's balance sheet--you have effectively no leverage.3) If you NEED to lower your payments and can show they are, or will become, unsupportable, try showing that  to the bank. If bankruptcy is a legitimate option for you unless you get relief, you can share that fact with the bank, too--while they'll ultimately still be able to foreclosure if they are not paid, it will complicate their collections and foreclosure efforts.4) Just trying to lower your payments because you feel they should be lower, but while you are still able to pay them and cannot demonstrate an inability to pay, is likely to not be successful.