Questions About Mortgage Payment Problems

When You Can't Pay, How Do You Prepare Yourself to Find the Least Costly Alternative?
Under What Circumstances Might a Lender Be Willing to a) Provide Temporary Payment Relief; b) Accept a "Short Sale" or a "Deed in Lieu of Foreclosure"; c) Modify the Loan Contract to Reduce the Payment?

What Options Do You Have When a Decline in Property Values Has Wiped Out Your Equity?
What Is a "Deed in Lieu of Foreclosure"; a "Short Sale"?

Can Borrowers Stop Paying on Their Mortgage if They Have a Compelling Hardship?

What Is the Consequence of Skipping One Payment But Staying Current Thereafter?

If You Are Having Payment Problems in Connection With Two Mortgages, What's the Worst Thing You Can do?

If My Lender Goes Bankrupt, Is There Any Chance My Mortgage Will Go Away?
Is There Any Potential Danger to Me? 

If You Have Lost Your Income and Your Credit But Have Equity in Your House, Should You Take a Short-Term Second Mortgage?

What Is a 30-Day Delinquency?

How Does an ARM Borrower Faced With a Rate Reset Figure Out in Advance What the New Rate Is Likely to Be?

If You Have Trouble Making the Payments and Decide to Sell the House, Is It Wise to Stop Making Payments on the Mortgage?

What Is the Best Way For a Borrower, Faced With an Increase in Monthly Payment They Can't Afford, to Induce the Lender Servicing Their Loan to Revise the Loan Contract So the Payment Will Be Affordable?

Why Are There So Many Foreclosures That Could Be Prevented by a Modification of the Loan Contract at Lower Cost to the Investor (and Much Lower Cost to the Borrower)

MY QUESTION IS NOT HERE.  I WOULD LIKE TO LEAVE IT FOR THE PROFESSOR