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The thought of losing your home can be a scary proposition. After all, your home is the centerpiece of your family’s life, the place you consider your sanctuary from the world. Unfortunately, there are times when life intervenes and making those mortgage payments becomes more and more difficult. Perhaps it was the loss of a job or a sudden illness that put you in this situation. Whatever the reason, know that there is hope.

If you haven’t been foreclosed upon yet, here are some things you can do to avoid it:

  • Don’t ignore it. Because it causes you pain, your instinct might be to ignore it. Don’t. The sooner you deal with it, the better your chances of keeping your home.
  • Contact your lender. Your lender would rather have you stay in the house if it’s possible, so talk to them and see if you can arrange something that works for both of you.
  • Cut back. Take a look at your spending — it may be time to cut the cable, sell that second car or find recipes that allow you to eat cheaper. You might be surprised how much you can free up by doing this.
  • Be wary. There are many people and companies that may try to take advantage of you when you’re vulnerable. Always read everything you sign and make sure it’s legitimate.

If you are facing foreclosure, there are legal options at your disposal. You may want to speak with an attorney to see what they can do to help save your home.