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The easiest way that you can avoid going into foreclosure is to pay your mortgage on time . With the bad economy and many people looking for a job this is not always easy to do. Many people have recently gotten behind on their mortgage payment and this is mainly due to the fact they do not have enough money. In some cases your rate of interest may have increased in your overall monthly payment is too expensive. You need to speak with your bank and work out a plan that is both acceptable for you and the bank. Ignoring letters that you receive from your bank saying that you are behind in your payments is not a good option. You can save yourself a lot of stress once you make the decision to go into your bank and speak with a lender who can help you resolve your mortgage crisis. Of course if you do nothing what will happen is after about 3 to 4 months your bank will foreclose on your house and they will send you a letter stating you have about 20 days to vacate your property. Once this has happened the bank will take your house and try to sell it to the highest bidder at auction. You have to remember that during the slump in property values most banks do not want to own homes. Remember that the easiest way you can avoid going into foreclosures make your mortgage payments on time. We all know that this is not an easy thing to do especially if you've recently lost her job. You need to have an open line of communication with your lender so that you can work out some kind of payment option. Remember the bank wants you to stay in your home and there is a solution that will work well for both you and your bank.