If your case is up, it is likely that you have delayed payments for at least 30 days. That is usually considered as the default status for the bank, which will then make the necessary moves to start the recollection process. However, with most state laws providing some sort of leverage, it will be only when you have missed three consecutive payments that Countrywide will declare your status an accelerated one, where they fear that the loan amount may not be paid back.
If this is the case, make sure that you contact Countrywide and explain your financial situation, and seek out a possible solution. This may take the form of a loan modification, where your payments are revised in a way which makes it affordable, either by reducing the interest amount or simply increasing the life of the loan. In cases where you feel that you cannot pay the remaining amount, then the bank may want you to sell your house and pay them back with the resulting proceeds. This can be done through a short sale where you get slightly less than what is owed in principle. As a last resort, the bank will exercise a foreclosure, which puts a dent on your credit history.
Download the application from the Countrywide website, and attach with it, all relevant documents, which provide a proof of your financial health. This will include bank statements, your income details, and tax bills. Make sure that you provide all necessary documents in order to avoid foreclosure as the concerned department will be flooded with thousands of similar applications.