I am not sure if they need to freeze your payments, but they do need to lower your interest rate. I would suggest that you read the entire act and go from there. Have you browsed through the information in LawInfo's Free Legal Resource Center to learn more about your issue yet? See:
http://www.lawinfo.com/consumer.html. You can certainly try to speak to a lawyer to determine what legal options may be available. In the meantime, you may be able to learn more on your own. Search the "Free Legal Resources" tab, or browse the Consumer Resources. Good luck.
See also:
http://resources.lawinfo.com/Search....ier+sailor+act