For both the lender and homeowner, the process of foreclosure is very specific, and is governed by federal and state law. As a homeowner, you are provided with protection by law, in addition to several other forms of resolution that can be entered into. In order to fight foreclosure, these options must be taken into objective and proper consideration. At the top of the list, the first and most practical option to fight foreclosure tends to be repayment, which is a payment plan granted by the lender in the earliest stages of foreclosure. Also, lenders may be willing to have payments made through a sale of the home, either at its full price or a lesser price. If the lender cannot be of any help, other foreclosure prevention options are also available, provided via a range of sources - HUD, housing counselors, and even the government. These sources can provide access to programs such as bankruptcy or loan modification that effectively fight foreclosure.