Mortgage foreclosure assistance is available for distressed homeowners who want to save their homes from foreclosure. Homeowners can obtain free counseling from certified HUD counselors. To find a mortgage foreclosure assistance counselor in your area, just check the HUD website or Google mortgage foreclosure assistance. There are also numerous mortgage modification companies that can also help distressed homeowners. They charge a fee for their services. Homeowners should be aware of anyone who asks for a large upfront fee. There are a lot of scam artists and crooks who prey on innocent homeowners, charge a high fee and do nothing. Homeowners need to be aware of these schemes. If in doubt, check with the better business bureau. Troubled homeowners can also get mortgage foreclosure assistance from their lender. Talking to your lender early on is the best way to avoid foreclosure. If you are unable to reach the loss mitigation department or need further mortgage foreclosure assistance, you may want to consult with a real estate foreclosure defense attorney. Attorneys are the only persons who are legally able to defend you in a judicial foreclosure action. Each state has different foreclosure rules and regulations so you may want to consult with a foreclosure defense attorney to find out your options. Also, each state offers mortgage foreclosure assistance programs available as well. You can check online or in the telephone directory.