RealtyTrac recently reported a "shadow inventory" of one million homes. These are homes either in foreclosure or about to go into it whose lenders are keeping them off the market.

One in nine FHA loans are 90 days or more past due.

Foreclosures in 2010 will exceed those in 2009.

If you are behind in your mortgage payments, you are not alone. When someone is in that situation, she or he often feels alone, that the stars have aligned to make life particularly difficult and positive choices beyond reach.

Not so. One of the reasons I started Terradigm was to help people through the Mortgage Rescue Cafe. Not only are you not alone in your difficulties, you have someplace to turn for help.

The worst thing someone can do is to do nothing. Believe me, you do have choices, and the sooner you act, the more chance you have to control your destiny.