Perhaps they fear being forced to make up their missed payments in one lump sum when they start paying again. Sure, they can continue failing to make their house payments and eventually lose their homes. And contrary to what nearly 70% of the people questioned by the National Housing Resource Center believe, you don’t have to make up the missed payments all at once. You can stretch out the missed payments over time, add them to your loan balance or pay them when you sell or pay off your mortgage. No wonder some people who can make their house payments don’t do so -- you can live for practically nothing in these states for four years or more.