You’ve avoided the foreclosure bullet this long, but things are finally failing to add up for you financially. If you’re having problems making payments on your Atlanta real estate, don’t give up just yet. You may be able to work with your bank to save your home.

Real estate expert Ilyce Glink discusses the anecdotal trends she’s seeing around the country. She says the people she meets are still struggling, either directly or indirectly, from unemployment, heavy medical expenses, and pay cuts.

For those who are fearing the loss of their homes, Glink provides links for information on loan modification programs and for direct contact with HUD-certified housing counselors. She even says that if you can’t get results with the first level of people you speak with at your bank, you should go to the bank president. How will you find him or her? She gives links for that, too.