Aside from the government’s help to prevent or stop foreclosure, there are also other effective strategies you can use to prevent foreclosures.  Here are a few tips that you can use to save your home from foreclosures.

* Schedule a foreclosure court hearing.  This is legal and it is well within your rights to request for a foreclosure court hearing within your local Circuit Court.  The court will give you a chance to explain your side and this could buy you a lot of time so you can save your home.
* Provide a well structured hardship letter.  A well-written Hardship Letter would help extensively in negotiating with your creditors and help you explain why you have been facing problems in paying your monthly mortgage.  Also provide documents including retrenchment notices, job termination notices and pay cut letters.
* Find and make use of errors in your housing contract.  Your contract may contain small errors that could be used against your lenders to fight off foreclosure proceedings.
* Refinance your home by getting help from external organizations and banking institutions.