Even if you are not receiving unemployment checks, you should contact your agent before falling behind in your mortgage but, if you have not already done so, do it now.  The problem won't go away just by ignoring it.  Contact one of the agencies below.

1.  HOPE NOW (888) 995-HOPE

     Non-profit, HUD-approved credit counseling service.

2.  Pennsylvania Housing Finance Agency (PHFA) (800) 822-1174

     This agency has many programs to help avoid foreclosures.

3.  Pennsylvania Bankers Association (800) PA-BANKS

     Responsible banks and lenders will work out a payment plan.