I know someone since October that could no longer make house payments and I wonder if anyone can walk me through the process. Sounds like working with the lender to greatly lower monthly payments didnt work and some denial letter came. Anyone know how long you have to work with? My concern is the two large dogs they have and how much time they would have to find homes or come up with something. No apartment would take dogs of this size and person isnt going be the same losing the last thing they have, they stated this many times. Actually I cant even get the person to answer my calls I had to find this out from a family member.