Even if mediation were not to work the process is very drawn out, the court offers extensions giving you time to attempt modification, short sale or deed-in-lieu-of and it could take years for the bank to take the home, then housing court may allow you to stay in the home as much as 6 month beyond the eviction date.
The state web site is very informative, and the clerks at the court are very helpful, just make sure you do not miss answer or court dates
Buy a home after foreclosure, short sale, deed-in-lieu-of or bankruptcy expert
Helping families/people that have lost their home get back into another in as little as 6 months
Best of luck!
Michelle L. Mayo, ABR