If you are going to save your home, you are Going to War with the Lenders. It is not an easy war; there will be setbacks, frustrations, anger, tears, and almost any other emotion imaginable. But, in the end, it is possible to achieve success. Success will likely NOT involve a free home, but it will usually mean a payment reduction, occasionally a Principal Reduction, or even a cash settlement! Most important of all, you can save your home!