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Up in foreclosure never have a discussion with their lender. if you are running into trouble problems down the road pick up the phone and explain your situation while your credit is good while you are still above oughter you have more negotiating power. temporary solutions? if you think the problem will be temporary they will offer different temporary solutions. they may extend your payments they may extend a grace period that you are late. these are temporary remedies that may be available to you. they are only temporary. you have to figure out ways to save more spend less and prioritize your bill spending as well. that goes to the next step. longer term. they come in many different shapes and sizes but generally they involve interest rate reduction generally involve extension of the terms maybe 40 years. principal deferment of some sort. more banks view the pod fic indications a greater success rate. they go through the same m ....