Many people are facing situations similar to yours.  Whether through illness, injury, or loss of employment, millions of Americans have found themselves behind on their mortgage payments. 
If your family is at risk of foreclosure, there are three things that you must do immediately:
1.      Don’t ignore the situation.  Time is your worst enemy when you’re behind on your mortgage.  Each passing day limits the options available to you. 
2.      Talk to a knowledgeable real estate professional that can help you figure out what your options are.  No matter how late you are in the process, you probably still have things you can do to mitigate the situation.
3.      Don’t make any decisions out of fear.  The more information you have the better decisions you can make.  For example, if you get scared and move out of the house earlier than necessary, you may be unwittingly taking options off the table.  If you have an FHA loan, you cannot be approved for a short sale in most cases unless you are still living in the house.
We have set up the website as a resource for Middle Tennessee families who are facing foreclosure.  There is a ton of information there about the foreclosure process and options available to people who are behind on their mortgages.