If you are having trouble with your mortgage, first and foremost, contact your lender to discuss possibilities that may be available.  There are also several foreclosure counseling resources available that may be of assistance:

Homeownership Preservation Foundation
www.995hope.org   1-888-995-HOPE

Department of Housing and Urban Development
http://www.hud.gov/foreclosure 

Federal Housing Administration
http://www.fha.com  1-800-225-5342

NeighborWorks America
www.nw.org   202-220-7051

Fannie Mae Counselor Search
www.fanniemae.com  1-800-7FANNIE

Freddie Mac
http://www.freddiemac.com/corporate/buyown/english/avoiding_foreclosure/

National Foundation for Credit Counseling
www.nfcc.org   1-866-845-2227

Military families may be eligible to receive aid from Fannie Mae. To determine eligibility, contact the mortgage company via a special military phone number: 1-877-MIL-4566.

In addition to these resources, the Alabama State Bar Association and Legal Services Alabama are working together to offer free legal advice to homeowners who are facing foreclosure.  You can contact them through their toll-free number at 1-877-393-2333.  The association also has information available on its website for homeowners facing foreclosure. Home¬owners may visit the site at www.alabar.org and click on the foreclosure resources link.