If my mortgage company filed for foreclosure papers what steps can i take to keep my house instead of the mort
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Is this final, or is this the step where they tell you "you have 30 days to get current or we foreclose"?
If it's not final yet, all you have to do is get current on your payments. Believe me, the mortgage company doesn't want your house. They want your money. They'll probably stop proceedings at any time if you get your payments up to date with them.
Consult with a lawyer first thing in the morning, there are ways to stop foreclosures. Call legal aid if you don't have a lot of money they base it on what you make not a flat fee. The bank really wants all their money and they don't want you filing bankruptcy on them so they never see any of it.
You will need to either pay all past due payments to bring your mortgage account to current status, or attempt to work out a plan with the lender where you pick up your payments due now, and arrange to slowly pay back on those which you have missed.
If you have any equity value in the property, you can also sell it quickly for what you owe, at a minimum, and thus stave off foreclosure. But, of course, you don't get to keep the house.
Since you stated "If"... I'd have to say PAY your payment every month so you don't find out!
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