It depends on many factors. You can apply for a loan modification if you have income. You can file Chapter 13 Bankruptcy to delay the foreclosure sale. If you are over 62 years of age and have sufficient equity in your real estate, you can get a reverse mortgage.
If the foreclosure process has begun, you might consider a cash-for-keys program.
Details are here:http://how2avoidforeclosure.blogspot.com

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