You are SO RIGHT! About six months ago, I almost lost my home. I felt so powerless! But - I did a few web searches and found I wasn't the only one, so this helped me to make the decision to find out everything I could. Boy - was I ever surprised! The list of options to stop foreclosure is nearly a good page long. Suddenly, I felt I had the power to prevent foreclosure.
If I had a huge amount of time, I could have researched every option and checked out all my loan and lien documentation, but who has time for that? I was working hard to just to be able to make enough to pay what I could, even if it was no longer enough. However, if you don't have enough time - check out the options on this website. These people really know what they are talking about. They helped me save my home and they can help you either save your house or mitigate your loss.