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When talking to your lender, ask about how you can work out a repayment plan. Many institutions will give homeowners time to come up with the money and will work out repayment plans that help a person regain their footing.

Consider, if possible, refinancing your mortgage or changing the terms of the agreement. This may result in having the mortgage for a longer period of time - as much as 10-20 years - or could mean that the missed payments are added to the overall amount due. This can help a person get on their feet so that they can get back on their feet and start making regular payments.