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Many consumers, including homeowners, feel trapped by debt. But there may be other options. Contact the people you owe. They may be willing to work with you to develop new payment plans. It will show that you are serious and smart about money. FHA HUD’s Federal Housing Administration insures the mortgage (or loan) your bank may off er you to buy a house. FHA offers families a safe, fair, and affordable alternative to more expensive, complex, and risky loans.

1-800-CALL-FHA (225-5342) http://www.fha.gov
HOPE NOW Industry-led alliance to help homeowners in distress. 1-888-995-HOPE (4673)

http://www.hopenow.com NeighborWorks America Provides foreclosure workshops and counseling to mortgage borrowers, and financial education to those considering buying a home.
http://www.nw.org National Foundation for Debt Management Its “Right Track” program is designed to help consumers regain control of their money. http://www.nfdm.org