my house is upside down by 12%. Totalled up, all my credit card and mortgage exceeds 60% of my gross monthly income. After taxes, I honestly don’t have enough to cover food anymore.

I struggle to make all my payments on time, and am working side gigs when I can for extra money to fill in the gaps.

What options are available for me to avoid starting to miss payments? Indymac already turned me down last year, and the website flat out states the 31% mortgage to gross is a hard limit. Will hiring an attorney even make a difference?

Not entirely relevant to the question, but a little background:
My debt to income used to be MUCH better and my credit was mid 700’s, but I leveraged myself to buy an investment property and was on the verge of a refi (that was taking 7 months + due to all the banks freaking out last year) that would have allowed my to pay off all my debt, but a AmEx wiped out my available credit on my biggest credit card which started the snowball rolling. That single card alone took my debt to income over 50% and killed the loan I was processing with Wells Fargo when WF decided they needed to pull my credit for the 3rd time. Over the last year once by one every credit card has taken my limit down to my balance. My reserves are now depleted, but I don’t want to start racking up defaults.

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