mortgage recalculated after a major car accident

Well we just had the best luck ever. you ssee when I was in college the professor taught us that you must not spend over 30% of what you make on your housing. Ya right, who can pull that off in this economy right. So we called the bank to see if we could do an adjustment on our loan. My smart husband found out you can do this if you have financial strains on your payments. I was in a real bad car accident that left us with $22,999 in bills and the bank considered that enough of a reason to look at our payments again. We got our payents from $987 down to $750. I mean wow can you believe that. You can only do this kind of thing once every five years and after two years our payments will go back up but for right now this will hellp us a great deal. So if you have suffered a financial hardship in your life, call the bank and ask them for an adjustment loan.