Owning a house is a dream come true for most people. However, the dream turns into a nightmare when they suddenly find themselves unable to pay the mortgage. There could be various reasons why this happens. At any rate, financial hardship is not something anyone wishes for himself. It may come at the most inappropriate time and the least expected moment. Financial mishaps are often caused by a lot of factors and usually, these factors are beyond anybody’s control. Suffice it to say that when homeowners start having financial difficulties, they face the risk of having their property foreclosed and litigated and they may even reach the point where they…