It’s easy to feel powerless when your finances are down and yoru lender is getting ready to yank the carpet right out from underneath your feet. To make matters worse the second you make a late payments you get solicitations from foreclosure consultants and attorneys from around the country offering to stop the foreclosure… in exchange for you first born child. Which of course you would give if you hadn’t given all your children to your creditors to keep them from foreclosing allready. People often are not aware of the awesome amount of public resources available. You can learn more about one of them here http://tr.im/yG1a at the Lakewood Public Library. A wonderful non profit that has been a model for others nationwide in their home owner advocacy initiatives is Cleveland based ESOP.