Foreclosures are at an all-time high with more to come. If you are having trouble paying your mortgage, the most important action you can take is to be pro-active and ask for help.
Contact the lender directly first. Lenders do not want more foreclosures on their books because it ties up the money they would otherwise have available to lend out. In this economic climate, the lender should be your first phone call.
If you are at least 60+ days behind in your mortgage payments and not yet in active bankruptcy, get help now!
If you have already had a foreclosure filed against you, it is time to contact a foreclosure attorney. You can Stop a Foreclosure if you act quickly and get the right help.