If you truly want to go to foreclousure. It's best that you seek legal advice. I dealt with Jonas Price phone number 3122919700 the attorney Vito Jurjjonas ext 102, helped me with free advice, he spoke to me for over an hour, when after few weeks of researching all my options, I chose to go to forecloure HE WAS THE ONLY ATTORNEY who didn't want the money upfront. As you know sooner or later you will need legal represenation, they take upfront 2700-5000, which I could never pay upfront hence I lost my job. After my 15 min conversation with over 20 attoreys all they wanted was the 3k-5k upfront. Mr. Joujoas (Jonas) split the payments for me, no intrest, I paid 300 every other month, getting an attorney also created less stress, the moment I went into foreclousure status, I no longer had to make payments, and the legal process took over a year... I was able to get my life together, got a job, found a nice place to live, by the time the legal process ended, I managed to save money, and I was no longer under constant stress. I'm not an attorney, I was lucky I had found an attorney who didn't rip me off, spend over an hours with me on all my options, and after I took my time to seek other advice, and phoned him a month later, he spoke to me again, explained the process, and put me on a payment plan. I had no choice to go to foreclousure then, no job, so much stress, depression... Now I feel i'm alive again, I will never make the mistake I made when I was buying my the house. Never.