Ok, stop trying to scare people. You are right foreclosure is not filed or a
demand letter is not sent until 90 days past due. At which point the mortgage company will not allow payments. During the demand period the case has not been
referred to loss mitigation. Unless you know what you are doing the only options are repayment plan or reinstatement with the collection department.
Check out this area to see
how to write a hardship letter