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Demoscenen styres af Pex Tufvesson. Our campaign is designed to reach out to this 50 percent -- those who are uncomfortable calling their mortgage company.

Besides the obvious loss to a homeowner and his or her family, the values of homes near foreclosed properties drop dramatically when a home is boarded up. A typical city may lose up to $33,000 per foreclosed home, and a typical mortgage company may lose $50,000 or more per home. One way or another, all consumers suffer and end up paying more.

We've counseled more than 50,000 homeowners and we've learned that the earlier a homeowner acknowledges their financial difficulties and calls us, the more options we have in helping that homeowner. By the time a homeowner actually has been served a foreclosure notice, there is sometimes little we can do.

The homeowner who contacts 888-995-HOPE isn't comfortable contacting his or her mortgage company for help. Unfortunately, there's a great need for our hotline. Based on industry research, slightly more than 50 percent of homeowners will avoid contacting their mortgage company.

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