What are some ways to help avoid foreclosure?

You may want to research “Chapter 13″ on google:

Chapter 13 offers individuals a number of advantages over liquidation under chapter 7. Perhaps most significantly, chapter 13 offers individuals an opportunity to save their homes from foreclosure. By filing under this chapter, individuals can stop foreclosure proceedings and may cure delinquent mortgage payments over time. Nevertheless, they must still make all mortgage payments that come due during the chapter 13 plan on time. Another advantage of chapter 13 is that it allows individuals to reschedule secured debts (other than a mortgage for their primary residence) and extend them over the life of the chapter 13 plan. Doing this may lower the payments. Chapter 13 also has a special provision that protects third parties who are liable with the debtor on “consumer debts.” This provision may protect co-signers. Finally, chapter 13 acts like a consolidation loan under which the individual makes the plan payments to a chapter 13 trustee who then distributes payments to creditors. Individuals will have no direct contact with creditors while under chapter 13 protection.

call the finance company and see if they will work with you maybe skipping a couple of payments and tacking them on to the end of the loan or try to refinance your house. Don’t wait because the more you are past due the harder it is to get them to work with you.

You want to call your mortgage holder, and tell them what is going on. Foreclosure costs thousands of dollars, and they don’t want to pay it.

See if you can get you lender to accept a short sale. Sometimes they will do that before the foreclosure date.