Stopping a foreclosure can be one of the most stressful and time consuming processes of ones life. The right steps need to be taken and the likelihood of a successful outcome is directly related to the amount of time before starting the process.
Keys to success include seeking out help in the proper channels, working with reputable people, and being diligent in responding to the bank. You can seek help through real estate agents, not-for-profit organizations or directly with the bank. Beware of any person or organization that attempts to collect an upfront fee. Dealing with the bank usually involves modifying the loan to make the home more affordable.