If you fail to pay your home mortgage payments, foreclosure may come as a result. Foreclosure is the legal means that your lender can use to repossess your home. When this happens, you will have to move somewhere else. If your home is worth less than the total amount you owe for your mortgage loan, a deficiency judgment could be pursued and you would not only lose your home, but you would owe your lender an additional amount of money. Your foreclosures, as well as deficiency judgments, could affect your ability to qualify for any credit in the future. To stop foreclosure, an attorney in Baltimore will surely be of great help to you.