Partial Claim with Midland

I would like to get some information on the FHA Partial Claim. My mortgage payments are affordable, but the late charges keep accumulating; my credit score keeps going down. We owe more on our loan than we paid for the house. We have had a lot of unexpected expenses that caused us to seek the modifications, but our monthly payment is increased a lot, and the one that we are in now is due on the 13th of the month, and we don't get paid until the 27th of the month, but the dates cannot be changed. I really want to get my house payment current and take care of the late fees because with the housing market, our property value will never catch up with or pass what we owe on our home, and with that being reported to the credit bureau, my credit report is very negative. Also, with the new OBAMA housing laws, we cannot refinance as being underwater because we have to be current on our mortgage. I asked for a partial claim the first time that we fell behind but Midland told me that was not an option and that I needed to pursue other options available. I just want to get my mortgage current, and I really need to get information about the partial claim to see what we need to do to begin.