The question: "How to stop foreclosure?" is generally asked by people facing foreclosure. So what are the answers? Homeowners in trouble need to obtain knowledge of their rights and The Truth in Lending Act, RESPA federal laws, and their state laws. Doing some homework can help the borrower avoid foreclosure scams and make meeting with an attorney fruitful. Consulting an attorney early to discus rights and options under the law is advisable. Often the loan can be renegotiated to help a borrower through a difficult time through a loan modification, delayed payments, short sale, or forbearance plan. Sometimes the loan can be modified by adjusting the interest rates or payments. A foreclosure bailout loan is when a new loan pays off the existing loan. When loan modifications have failed a short sale might be an option. A short sale will not save your home but could help salvage your credit. A deed in lieu instrument is another option that should be discussed with legal counsel. Bankruptcy is another option to consider. This can delay a foreclosure and in some cases save a home.