Talk to your mortgage lender
You should talk to your lender as soon as possible. Many banks have special teams who work with people who are having difficulties with their mortgage payments.
Lenders are generally willing to discuss options and proposals, even if you are already behind with your payments, and will usually try help you find a solution.
Your lender has to take specific steps before taking you to court. Make sure that you keep records of all communication you have with your lender and keep copies of all the letters you send and receive.
Don't be put off because you think your case is hopeless. There is often a solution, no matter how complicated the situation may seem. If you haven't decided what you are going to do about the problem, explain to your lender that you are going to get specialist advice about your options. This may give you more time to get to grips with your debts.