Let's get it listed and see if we can sell it before you get a foreclosure.
Prices are up and we may be able to sell it.
We may also have to go the short sale route, that means a sale with some forgiveness of the loan from the bank. In most cases this will be better for you than a foreclosure.
You may also want to start looking for a place to move.
We need to get working on this yesterday though, so we don't have a lot of time to spare. The foreclosure can happen pretty quick or it could be another six months or a year, we just don't know.
While not proper and perhaps not legal we have seen foreclosures happen where the owner did not get notice of the sale.