Avoid foreclosure prevention companies. You don't need to pay fees for foreclosure prevention help -- use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender.

Reasons for a Pending Foreclosure . Apart from those who knowingly participate in mortgage fraud—with the intention of never making a single payment—most homeowners face sudden extenuating circumstances that force them to stop making timely mortgage p

These programs can help you with refinancing, modifying your loans, and obtaining financial aid to avoid foreclosure. A list of government programs designed to help homeowners facing foreclosure is available here. There are also companies that provide sim