In all the states of United States, there is a program administered by the local authorities called the Eviction and Foreclosure intervention program. The plan is intended to avoid foreclosure and calls for negotiation for agreements and repayment plan relating to the mortgage with the lender and also providing for financial assistance towards settlement of conventional mortgages loans. 

To determine your eligibility for financial assistance, foreclosure companies will assess your income level, the amount you could pay to wards your mortgages and reasons for default are taken into consideration besides your ability to repay in some future date. The only constraint in this plan is that the maximum limits of grants are only $1200 and this should also resolve your default problems. However, negotiation with the lender is an open option and available to all concerned irrespective of their financial status.  

Several help centers have been set up to assist you with all the information about the plan. You can avail such plan only when you are in complete distress and have no other option left. Detailed information on such plans is also available on the foreclosure blogs on the nets. You can check in the stop foreclosure blogs for more information. 

As you can see, the priorities specified in the plan to escape foreclosure is negotiation and the agencies concerned put more emphasis on negotiating with the lender in order to induce him to write off a part of the loan or the accrued interest or to downsize the interest rates as the case may be depending on the merit of each case.