Talk to a local credit counselor and call the toll-free hot
line of the Hope Now alliance - an industry group trying to
coordinate a response to the mortgage crisis - at 1-888-995-HOPE. It is available 24 hours a day to provide mortgage counseling in multiple languages.
Mary Thomason, director of resource development for The Impact Group of Atlanta, a housing counseling group, also suggests tracking expenses and income closely in order to be able to forecast your cash flow for the next six months and give yourself better control of your finances.