Imagine being faced with the possibility of losing your home because you cannot pay the mortgage. Furthermore, imagine that it is not entirely your fault that you do not have the funds. It is not always reckless spenders, gamblers and those who choose to consistently live above their means who suffer from these scenarios. It can happen to anyone and for all sorts of reasons. Over 50% of Americans currently find themselves wondering how they're going to pay the mortgage and still keep the lights on.