As my efforts to help homeowners avoid foreclosure has ramped up during the past 6 months, I seem to hear this question more and more often.

As a real estate agent, it's not my role to advise a homeowner whether or not to stop making a mortgage payment.

There are simply too many implications, and by and large, a homeowner in distress needs to understand the legal, tax and credit impact of such a decision.

That's why me and my trusted professional allies have created the Town Hall Meeting for Homeowners, where we bring together a panel of experts in bankruptcy, real estate tax, loan modifications, credit, and short sales (that would be me).

I discovered Richard Geller's video and found some wisdom in his advice.

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