If you have suffered a hardship or have been waiting for months or even years for help from your bank, the time to get the assistance you need is now. There is no telling what the financial climate will be by years end and banks are aggressively going through their inventories and looking to clear the backlog of delinquent mortgages off their books.
Even if you have been turned down for assistance in the past or feel like giving up, help is still available for those who qualify and are persistent.
Before you give up, seek help from a professional foreclosure lawyer with proven experience and always check a firm's credibility by checking complaints on the web and other sources.