Thinking that you might need to file bankruptcy can lead to many sleepless nights, but even more stressful is the thought of losing your home if you can’t keep up with your mortgage payments.

At a time of high home equity line of credit (HELOC) payments and increased mortgage payments due to higher interest rates, I’m hearing the word “foreclosure” more often than I have for quite some time. If you’re worried about the possibility of foreclosure, the best thing you can do is arm yourself with information so that you can either avoid it altogether or navigate it as successfully as possible.