Now of course not all of these "investors" are out to get you when you are down and at your lowest. However if you do plan to consult with one as mentioned time and time again by professionals before you need to consult with a bar certified attorney who is familiar with real estate related cases.

Only then should you consider the old preventive method of working with these investors and in most cases of structuring some sort of a deal where you can get cash usually by selling your home or something along those lines.

Professionals are waiting on call 24/7 to help you with your case. There are some services where they only get paid after you successfully navigate your way out of foreclosure. Therefore you do not have to worry about having cash on hand to begin with (or at least not a whole lot- usually around $1000 will get the services going).

If you're sitting at your computer feeling nervous, feeling like no one in the world can help you, that is just outright false! Bottomline, no matter which method you pursue, doing anything (within reason) is better than sitting on your hands and hoping for things to solve themselves.

The earlier in the process you own up to the situation and resolve to address it, the more options and the higher the probability is that you will make it out of the foreclosure nightmare before it gets out of hand.