GET A LAWYER! You will be shocked at how much an experienced Foreclosure Defense Attorney can accomplish for you. Even if you know you have to give up the place, you can stay far longer with an attorney in every case I have ever done. So, no rent on a new place-you get to live in your lovely home rent-free. I worked on Wall St for years and saw things you wouldn't believe with mtg-backed securities, so I don't feel uncomfortable. Besides, zealous representation of all clients is the rule anyway.