The Commonwealth of Virginia has created an informative website to help homeowners who are facing the possibility of foreclosure and to help them be more proactive in preventing foreclosure.   You can find out more about preventing foreclosure at this website:

www.virginiaforeclosureprevention.com

From my own past experience with homeowners in this situation is that they are embarrassed and most wait too long to do anything about it. One resource that should be helpful on this website is the list of major mortgage companies and the proper phone numbers to call for assistance.  In many cases, the problem when an owner calls is they never speak to the correct department. 

If you wish to discuss your options or a possible short sale to prevent a foreclosure, please feel free to contact me by e-mail at Jorge@House4U.com or at 757-287-3400.  Please note their is no reason to be embarrassed about your situation, it is becoming more common than ever before.