The Homeownership Prevention Foundation, a non-profit, provides answers and offers comprehensive telephone counseling to help homeowners avoid foreclosure.  Options can range from loan modifications to short sales or other methods of debt relief.  Check out their website at www.995hope.com and view the new video on Foreclosure Scams, which outlines several things homeowners in trouble should be aware of. If you or someone you know needs help this would be an excellent resource to share with them - their number is 888-995-HOPE.  I am committed to helping homeowners in the Pierce County, WA area avoid foreclosure.  You can reach me at 253-376-4717.