[McLovin]

Getting a good lawyer is good theoretical advice, but in cases like this often is not really practical. She's going to have to come up with a $2.5-$5K retainer, which will be gone quickly, and then have monthly legal bills to add to her other problems.

And, there's no guarantee that a lawyer can do anything to solve the problem. At this time, from what I've seen, banks are highly unlikely to "work out" something like this. By "work out" I mean give her a discount, etc. Their policies are generally no deals, just move it though foreclosure and get it off their books. They are large institutions and are generally inflexible on their policies on these.

IMO, the bank won't do much, short of allowing her to fully cure her default and come current on the payments, which is likely impossible.

Lawyer or not, what I've outlined above is highly likely to be the outcome at this point. A receiver and foreclosure is the very highly likely outcome.