Yes, being behind on payments is exactly when you need foreclosure help most. The earlier you contact us, the more options we have available. Even if you’ve missed several payments, we can often negotiate payment plans, loan modifications, or other arrangements that bring your mortgage current over time. New York law provides several protections for homeowners, and lenders are often willing to work out solutions rather than complete a lengthy foreclosure process. The worst thing you can do is ignore the problem – mortgage companies have more flexibility to help when you’re actively working toward a solution.