Foreclosure help? Seriously.

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Good morning, again. We just got off the phone with a woman who is in deep trouble with her mortgage and doesn’t know where to turn. We want your advice on that: for a couple facing foreclosure, and unsure of their options, what’s the best place to go for free, fast, reliable, and smart guidance?

Here’s her story, as she tells it: She’s a nurse, her husband is a custodian, combined income of roughly $5,000 per month. They applied for a loan, figured they could afford $3,000 per month --a big stretch -- submitted pay stubs, and got two loans -- a mortgage and a HELOC, with total payments of $3,000. But the payments are adjusting higher, closing in on $4,000 -- which they can’t afford -- and now they learn that the lender stated on the loan application that the couple had a monthly income of $9,000. The woman we spoke with felt duped, foolish and confused. She’s working with the lenders, hoping to keep her house, but growing more confused. She’s trying to figure out what her options are.

This is where readers come in -- what are her options? And where is the best place to go in Los Angeles for quick, realistic advice on avoiding foreclosure? We’re a bit humbled by this one -- we feel like we should know the answer. But we don’t, so we’re asking your help.