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I can agree with you. My wife and I were facing foreclosure. Foreclosure is and can be very intimidating. I didn't want to call the mortagage company but after being swayed by the Spirit of GOD, I called. It was a great pressure off of my wife and I. Our mortagage company worked a payment plan like the one mention in the article. Now we are getting back on track and it is such a peace of mind. If you are facing simular circumstances call your mortagage company and let them know what going on......