The U.S. Department of Housing and Urban Development says make sure you don't ignore the problem if you're behind on your mortgage payments.
The further behind you become the more likely you are to lose your home, also identify and prioritize your expenses, then contact your lender because it's possible there are other options available.
Finally you can contact a HUD counselor who can help you negotiate with lenders and help you understand your options.
The number to call is 1-800- 569- 4287.
