Anyone in danger of losing a home to foreclosure would do well to seek help early, be proactive and get balanced advice.

I recently attended a Boz Scaggs concert. Had a great time. Now, you ask, what does that have to do with the foreclosure crisis? Great question. For some reason, rocking to the words in "Lowdown" got my mind wandering to today’s troubles. O.K., it’s a little weird, but what floated through my head was: Where can you get the lowdown if you might possibly be in trouble?

The thought stuck. Foreclosure is a scary thing, and you want to get in front of it. You want fast, friendly and effective advice - and that may not come from your original lender. I checked out the options the day after the concert.

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