If you are currently unemployed or if your salary has been reduced then I suggest you contact your bank about getting a loan modification.  Some of you maybe asking doesn't this affect my credit score?

Well, if you are behind already your credit score has already been affected.  So no love loss there, it's better that you keep your home than worry about your credit score now.  You can bring your credit score back up when your finances are back to normal.  But, dealing with a foreclosure ...