There is much turmoil about overturning foreclosures. One thing I personally went through is keeping my peace of mind. If you go through the trouble and expense of hiring an attorney and dealing with this issue, what will happen to your peace of mind? What about morally? Did you indeed fail to pay the mortgage? Sometimes it seems that the real winners are the attorneys. But we need them. I wish you well. And I agree, the banks shouldn't be in such a hurry to foreclose in this economy.