You see it in the news everyday. More and more homeowners are facing foreclosure and have very few options on how to save their home.

The problem is that for the last several years, getting into the house of your dreams was fairly easy. Now, the challenge is how to stay there and after months and months of struggling to make payments homeowners must consider other options.

A home is usually a person's largest investment, and it is one that should be protected, but not at all costs. A recent National Foundation for Credit Counseling-MSN Money Financial Literacy survey revealed that one in every 10 Americans with a mortgage, or roughly 10 million adults, reported being late or missing a mortgage payment in the last year. For this reason, today's consumer often takes drastic steps to satisfy the mortgage payment. Some are resorting to payday loans, while others are dipping into their retirement plans at work.

Obviously, a paydayloans should not be a long-term solution to a monthly shortfall. Paying triple-digit annualized interest is never good. Likewise, individuals continually tapping into their retirement plans could end up with no house and no money for retirement. In the end every homeowner has decide what is right for them. For some the thought of moving the family out of their home is unthinkable and paydayloans are the right choice.

The problem today is that the typical person does not know where to turn to get the much needed advice. Society today is more and more cynical many folks simply believe there is no real help available, many get confused with the difficult terminology, and many quite simply just cannot deal with the situation.

If you can take away one thing remember this, the struggling homeowner does not have to go through the process alone. In addition to using a quality payday lender for a short term loan there are dozens of qualified credit counseling agencies, like the NFCC, that are ready to help you navigate through this difficult situation.