I have been helping California homeowners negotiate loan modifications, reinstatements, and short sales from the bank for years, and all for FREE.
If you have fallen behind on your mortgage payment and received a Notice of Default (NOD) in the mail from the bank give me a call. I can help. I can negotiate a loan modification on your behalf that should lower your payments by reducing your interest rate, principal, or extending the length of the loan. I can't make any guarantees since every application is unique, but what have you got to lose? It's free.
There are a number of tactics I know to get the bank off your back long enough to figure out your next move. Whether you want to keep the property or get rid of it. Again, I do this completely for free, but it is a process that can take months.