Article: The reason you are struggling financially will help determine what avenue you should pursue. Consider the following, which are common reasons people face financial difficulties:  Job loss. A job loss might be temporary. If so, you have more options for catching up on your late mortgage payments. Illness or disability. If your illness or disability is permanent, you’ll have to consider selling your home. However, if the disability is temporary, you might be able to work with your lender. You can also seek bankruptcy to wipe out your medical debt. Death of a spouse. Unless your spouse had a life insurance policy, your income is probably reduced for the foreseeable future. Reconsider whether you can afford the home. Financial mismanagement. You might be living beyond your means. If so, consider bankruptcy to eliminate credit card debt. In some situations, you can still keep your home. You can find a qualified counselor by contacting your nearest Housing and Urban Development (HUD) office. Alternately, you can call 1-888-995-HOPE. Counseling is free.  Talk about your options. For example, you might qualify for assistance through the Hardest Hit Fund, which can help homeowners catch up on their mortgages or modify their loans.  If you can’t meet with a HUD-approved counselor, then be wary. There are a lot of scammers out there posing as counselors who want to swindle you out of your home. Avoid anyone who charges a fee or wants you to sign over the deed of your house to them. Call their loss mitigation department and explain your situation. Many lenders will work with you to keep you in your house, but you’ll have to jump through hoops.  You’ll have to provide supporting documents and fill out many forms. Your lender wants to make sure you have a legitimate reason for your financial difficulties. Always keep a copy of all documents you provide to your lender. Also keep detailed notes of any telephone conversation. Record the name of who you spoke to, the date, and the substance of the conversation. With a reinstatement, you pay off all overdue mortgage payments and any late fees or penalties. This is a good option if you faced temporary financial difficulties but are now able to make payments. Some lenders might let you pay off overdue amounts on installment, so check. A lender might temporarily reduce your mortgage payments or suspend them. After the forbearance payment, you start back up making regular payments and also catch up on the payments you missed. Your lender might be willing to alter the terms of the loan. If so, you can often lower your monthly mortgage payment, which will allow you to stay in your home. Your lender can modify the loan in several ways:  Reduce the interest rate. This will result in smaller monthly payments and will lower the amount you pay in total. Extend the terms of the loan. You can stretch out a 15-year mortgage to 30 years or a 30-year mortgage to 40 years. You’ll lower the monthly payment but end up paying more over the life of the mortgage. Add overdue payments to the balance. This is a great way to catch up because overdue payments are stretched out longer. Reduce the amount you owe. Meet with a bankruptcy attorney if your bills are spiraling out of control. They can review your situation and offer tailored advice. You might not have to lose your home in a bankruptcy.  Chapter 7. You can wipe out unsecured debt (such as credit card debt) with a Chapter 7. However, you might lose your home in the process unless it has no equity in it or if you can exempt the equity. Your bankruptcy attorney can advise you. Chapter 13. In this bankruptcy, you create a payment plan that lasts three to five years. Any unpaid mortgage payments get added to your payment plan. As long as you stay current on your mortgage, you can stay in your home.
Question: What is a summary of what this article is about?
Identify why you have fallen behind. Discuss your options with a housing counselor. Contact your lender. Reinstate your loan. Ask for forbearance. Check if you can modify the loan. Consider bankruptcy.

Being present will lead to greater authenticity because you'll be able to fully focus on the experiences, conversations, and interactions you're having in the present moment. The people you're engaging with will be able to tell you're engaged and present, and will perceive this as a sign of personal authenticity. On the other hand, inauthentic people are inclined to let their minds wander during interpersonal interactions. In interpersonal settings, this behavior can be perceived as insincere or rude. Intuition is the inner voice or gut reaction which helps you make decisions and informs your behavior. In terms of ethical decisions, your personal intuition can also form a “moral compass” to help guide you in making personal decisions. Following your intuition will help you make consistent decisions and act in a stable way, rather than making decisions based on what you perceive to be popular opinion or social expectation. your thoughts and feelings. Talk about your opinion when it matters to you. Authentic people are comfortable speaking their mind and communicating when they have a problem or are appreciative of something. If you feel inhibited to speak your mind, or realize that you frequently only say what you think those around you expect to hear, you're likely behaving in-authentically. For example, express gratitude to those around you. Try saying something like, “Mom and Dad, I wanted to say thank you for helping me with my car payments last month. I know money is tight, but the extra cash made a big difference for me.” Genuine people accept that they aren't perfect and ask for help when needed. Authenticity is not the same thing as perfection. Asking those around you for help is a sign of humility and authenticity, and shows that you respect the skills and talents of the people in your life.  For example, if you've been struggling with your mental health and a friend is a professional counselor, ask them if they can recommend an associate who you can contact for counseling or therapy. Or, if you have persistent car trouble, reach out to your co-worker who moonlights as an auto mechanic. Share personal information about yourself and be open about your flaws as you start to trust others. Don't reveal everything if you don't need to. If you keep your true self hidden, you'll find it hard to build an authentic relationship.
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One-sentence summary --
Be fully present in whatever circumstances you find yourself. Trust your intuition when it comes to behavior and relationships. Express Ask people for help when you need it. Be vulnerable.