There are ways to stop foreclosure that are legitimate. As soon as foreclosure is a possibility a borrower should met with a qualified attorney and contact the lender. While discussing a troubled financial situation might be uncomfortable it need not be shameful. Distressed finances are not always correlated with irresponsibility. There are many things outside our control. The willingness to take charge by setting appointments to discuss financial obligations demonstrates responsibility, offers a homeowner some control, and will often result in a solution or plan. Many accountants, lenders, and lawyers have dealt with situations similar to yours many times before and should never be in judgment of anyone's circumstances. Their jobs are to offer assistance and there might be resources available to borrowers that they were unaware of or had not thought about.