It's not inevitable.
If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, it is extremely important for you to contact BSI and address the issue as quickly as possible. Our Collections Department has counselors available that can work with you to make short-term payment arrangements. You can reach our Collection Counselors, toll free at 1-800-327-7861 . If you are unable to make arrangements with our Collections Department to cure the arrears (missed payments and fees), we may send a workout package to you that must be completed and returned to BSI. This information is necessary to qualify you for workout options. Upon receipt of the required information, the Default Resolution Team will initiate a review of workout options. It is important to note that the initiation of a workout review does not waive any remedies available to BSI under the terms of your Note and Mortgage.
Please click here to download or view HUD How to Avoid Foreclosure pamphlet.. You can contact the HUD toll free at 1-800-569-4287 or TDD 1-800-877-8339. . | 
