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  • Stay in your home for as long as possible. Neither the mortgage company nor the surrounding community wants you to have an abandoned home.

  • Respond to the court within the 28-day period. Failure to respond could speed up the process.

  • Contact your mortgage company's loss mitigation department.

  • Document all correspondence, including verbal.

  • Meet with a HUD-Approved Housing Counseling Agency.

  • If your lender refuses payments, keep the money in a separate account and don't use it to pay other bills. It will give you power to show your ability to pay at some point in the workout process.