Homeowners, Don't Miss this article in the Charlotte Observer
http://www.charlotteobserver.com/business/story/843919.html
If as a homeowner you need answers or help with home preservation start with your bank/mortage company. If you don't seem to get anywhere with them then check out Hope Now Alliance board www.hopenow.com for counseling. These folks can answers questions you may have and best of all the use the counselors are free.
Another great site for information is this website and search for information or contact one of their counselors. http://www.hud.gov/foreclosure/
Don't pay anyone a dime that promises mortgages and credit fixes if they ask for up-front fee's. Call your better business bureau too. Be aware of SCAMS.