KNOXVILLE, Tenn. (WVLT) -- Monday's Knoxville News-Sentinel tells a story about the rough economic times, with multiple pages of foreclosures.
More and more people are losing their jobs, and while unemployed, the bills can pile up, but if you miss that house payment you could ultimately lose your home.
So you may be wondering, what should you should do to protect your family and try and prevent foreclosure?
Monday's paper has 5 pages of foreclosures listed; that's more than 40 homes, in and around Knox County, scheduled for auction in the coming weeks.
But, there are ways you can keep your home from ending up in the foreclosures section.
A house is something most families take pride in, not only a financial investment, but a place to call home.
But, if you're having trouble making the monthly payments, it's time to get help.
Yvonne Hall with the Knox Housing Partnership says "I would want to get to speak with you, look at a budget, see what's going on, and see how we can first start talking to the lender."
Yvonne works at a HUD approved housing counseling agency, which is a free service if you need help.
Yvonne says "seek help as soon as possible, even if its going to be 1 payment or you're in your third month or you've already got the foreclosure letter papers."
Yvonne can work with you and your lender to try and find a solution, and foreclosure prevention.
She says "each lender is different so it just really depends on the type of loan that they have."
Jesse Lehn with Mortgage Investors Group says "its in everybody's best interest that the borrower is able to hang on to the house and hopefully not upset a family situation."
Jesse recommends contacting your lender, even before you miss your first payment.
He says "loan modification can be a very positive powerful tool, that allows everybody to win."
Because once you've been notified your home is being foreclosed, It can go up for auction in as little as 20 days in Tennessee.
The auction date and time simply have to be posted in the newspaper at least 3 different times.
Yvonne says "you need to really seek help with someone who understands what you're going through and that will be a HUD certified counselor."
She stresses there are companies that charge you, claiming the same home counseling services, that are available for free from the HUD approved agencies.
So the best advice when it comes to missing house payments, is to be proactive, to hopefully keep your home.