As far a I know, there are no agencies that will negotiate for your or help out on payments. If you’re still in your hardship and can’t make the payments, there are options.
Depending on the hardship – decrease in pay, medical hardship, etc, then the bank has options like a loan modification, partial claim, or other programs that can help you get back on track. If you call the lender, you’ll need to be persistent with the loss mitigator because the lenders are trying to get the most money as fast as possible, and these programs limit what they can get and how fast – obviously they won’t be just giving up the info.
If you can’t afford the house, then you may want to contact any one fo the “we buy houses” companies that are no doubt in your area. When you talk to them, you’ll need to ask them what their experience is with short sales – the process of negotiating a lower selling price with a lender on a house in foreclosure.
If you need some more info, just check our site:

I have seen many ads on the web stating that they can help with foreclosures. I have a friend facing foreclosure – and may soon be myself if things don’t pick up – and she is considering replying to one of these ads

A friend of mine told that this was true in Texas where we live. She said that the buy the house from the mortgage holder and lease it back to the home owner with the option to purchase it back typically within a year. She says this allows the home owner to reestablish their credit score. Is this true.

foreclosure sale set for today at 2pm. heading down to court house to file for backruptcy, this morning.

We are in foreclosure and filed bankruptcy. In the past few days we have gotten letters stating that they can help stop foreclosure by working toward buying our home. Is this a big scam? What is really upsetting on the envelopes they mention in bold letters things about stopping foreclosure.

I am in need of refinancing our home. We are currently almost 2 months behind on our mortgages. We stopped the foreclosure in October but are headed that way again if we don’t find a way to refinance. When we stopped the foreclosure in October we thought it was paying for Novembers payment too but it wasn’t so we were behind a month again right off the bat. We have a first and second mortgage we want to consolidate them. We also have an adjustable rate mortgage that is killing our finances. We filed bankruptcy almost 7 years ago. This is my dream home and don’t plan on leaving it until I go in a box in the ground. If anyone knows anything that would help I would be very greatful.

I am not sure where to start on trying to get a loan modification so my home does not go into foreclosure. Are there any free programs or agencies that can help me get started?