There are a number of non-profit certified HUD therapists in every state that can assist you, and they do not charge any charges. Be on your guard (what are the interest rates on 30 year mortgages today). Facing foreclosure is demanding and makes you more vulnerable to being a victim. The Home Loan Forgiveness Financial Obligation Relief Act of 2007 permits taxpayers to omit earnings from the discharge of debt on their principal residence as a result of a foreclosure or home loan…