It sounds as if you could really benefit from a counseling session with a credit counseling agency that has HUD-certified housing counselors. Perhaps they can negotiate on your behalf. Check the Web site of the National Foundation for Credit Counseling (www.nfcc.org) for information about agencies in your area. You might also try contacting a supervisor (manager) at the mortgage company for more information. Ask if they have begun the foreclosure process. Several national resources might be able to assist you with managing your finances during times of financial distress. The HOPE NOW Alliance includes a number of credit counseling organizations that provide credit counseling, debt management, and foreclosure prevention counseling services. To find a HOPE NOW credit counselor in your area, see www.hopenow.com. Another national resource with local connections is 211. Either call this number or go to www.211.org. Individuals calling 211 are able to speak to a trained information and referral specialist to find out about specific community resources in their area. We would like your feedback on this Personal Finance Frequently Asked Question.

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