A tool to educate homeowners about the foreclosure process. Unless otherwise specifically stated, the information contained herein is made available to the public for use as an example of the kinds of documents and advice one may receive in the process of negotiating with a mortgage company, HUD approved non-profit housing counseling agency or any other party involved in the delinquency or foreclosure of one’s home. The intent of the workbook is to assist individuals in resolving or preventing their foreclosure crisis.