<prompt> Human: I just found out that we are about a year behind in our house payments and the house is going into foreclosure. The problem started when we had some medical bills and some instability with my paychecks at my previous job. We are in a position now where making the payments should be no problem and I want to get the house out of foreclosure and caught up on all the back payments owed. Our house payment is about 1300 per month and we owe about 18,000 in missed payments. Our household income is around 95k a year and we have 4k in savings.My plan was to try and setup a payment plan where we pay 50 extra on each mortgage payment until we are caught up. The house is worth more than we owe so I could also look into refinancing or taking out a home equity loan for the difference. I also have a retirement account with enough to cover the total owed but I would like to avoid using that if at all possible.What is the best way to negotiate this with the bank? Are there any pitfalls I need to know about when working out a settlement with the bank?Thanks in advance.  <response>: How did you just find this out. That is bullshit. 