You do have options, however...
Becoming paralyzed with fear and denial is the first and unfortunately the biggest mistake that homeowners often make. You hope the situation will fix itself, but with each passing day, the situation gets worse.
If it sounds too good...
If the stress isn't bad enough, you're now bombarded with 100-200 letters and calls from creditors, attorneys, investors, realtors, mortgage brokers as well as the lender. Many of which present creative strategies to unbelievable options that will save you and your family.