Here’s a sobering thought: There are as many as 1.58 million mortgages nationwide that are 90 or more days delinquent but not in foreclosure. Lender Processing Service’s body count of seriously delinquent mortgages as of Nov. 30 signals what could be a catastrophic attitude shift in debt payments. There was a time when folks made their mortgage payment on time even if it meant cutting back on necessities.