ONCE AND FOR ALL, THE ANSWER IS YES. Water is wet, the sky is blue, and you need a lawyer… Period.

"If you’re at risk of losing your home, for whatever reason, your options are many and varied, and the choices you make can be positive, or they could cost you an absolute fortune and plague you for the rest of your life. Chances are that your home is the single largest investment you’ll ever make. If that investment goes south for whatever reason, you should absolutely hire an attorney to help you make the best out of a bad situation."