You can do some things to prevent forfeiture if you live in Kentucky and your mortgage payments are behind you:

1. Talk to your lender and explain to him your financial condition. Your lender may offer to refinance your loan or even help you collect another loan. In fact, the lender will help you remain in the house rather than bring a foreclosure case.
2. Please keep your mortgage and all other payments (late payments, interest, etc.) up to date. Find options for catching your mortgage. You may attempt to borrow from your family and ask churches or local organizations for support.
3. If you have a co-signer on your mortgage, please remind the co-signer of the problems you would pay for the mortgage. Maybe the co-signer will help you collect your mortgage payments. The co-signator should be aware of the problem since if a mortgage had been filed, the co-signator would also be sued.
4. Speak to a residential consultancy firm. The advisor will help you determine which choices you have.

5. To escape forfeiture, you should try to sell your home. If you can sell your house for what you owe, you can be happy with the mortgage and not get forbidden. Your lender will offer to give you time before renting files to sell your home.
6. Your lender could be prepared to allow the borrower to take your mortgage over (rather than the borrower’s new mortgage). It would be best if you talked about this possibility with your lender.
7. If the house is not adequately sold to fund the whole of the mortgage, the lender would consider less than the actual amount owed. (This is known as a fast payoff or a pre-closure).
8. In some situations, a deed-in-location foreclosure can be issued, guaranteeing that the property is returned to the lender and that the mortgage can be cared for by the lender. Second, the land should be sold for its fair market value.
9. Failure may be treated as an option. In some instances, you will be assisted by bankruptcy. To see if you have a chance, speak to a bankruptcy lawyer.