Your bets bet is to at least meet with an attorney for the fist free meeting to get a direction on what to do. If you own other property or have assets than the may come after you depending on your state laws. They can not JUST attach it on a whim, they will need to go to court to seek an attachment. There are other options to foreclosure, simply call your bank and ask for the home retention department, if you do not want to lower your interest rate and payments to keep it, then ask to complete a short sale which will cut your losses and be better for your credit. good luck with working things out.