When life keeps piling on, one of the repercussions can be falling behind on house payments. Covid, cancer, divorce, and death can all take their toll on the average American life.

The  fallout from any of these issues can be loss of income resulting in foreclosure or eviction.

Let's face it, keeping up is hard enough, but keeping up and catching up is almost impossible.

Unless an unexpected windfall appears, the needs of a family can be overwhelming and choices about what to pay and what not to pay become the thoughts that keep you awake at night.

Once a few mortgage payments are postponed because groceries are more important--the amount needed to bring the loan current seem insurmountable.

Unfortunately, too many people facing these difficult choices wait too long to get help.

The longer payments get behind, the less chance of a solution.

Anyone that has owned their home for more than a couple of years most likely has enjoyed some appreciation in value and gained some equity. That equity, along with some expert advice, can save your home and your credit, but time is of the essence. Don't delay in reaching out to expert help.

At the same time, beware of scams that make claims but are not designed to help you. The choices you make will stay with you for years to come.