Do you need foreclosure help to get back on track with your missed mortgage payments? If so, there are a number of options to consider. Use these guidelines to get your financial situation figured out and protect your property: Take a long, hard look at your family budget. If you are going to attempt to work out payment plans with your lender or an outside agency, it is likely that they will want to go over your spending with a fine-toothed comb. Stay one step ahead by developing a stringent budget that eliminates needless sending; Talk to a lender about refinancing options. If you haven't missed too many payments, you have decent credit, and you have a sizable amount of equity in your home, it may still be possible to refinance your mortgage to make it more affordable for you; Get help from a reliable financial counselor. If you are trying to avoid foreclosure, a qualified foreclosure prevention specialist can help walk you through your options. You can find a qualified provider in your area by calling the HUD hotline at 1-800-569-4287. If you have a Veterans Administration loan, call 1-800-827-1000 to find a VA-approved counselor.