My home is on the market for sale, I also have an outstanding equity loan. I am retired and was doing in- home child care to help pay the mortgage and the equity loan. Due to medical problems I can no longer do child care, and plan on moving into a senior apt. My monthly retirement check is not enough to make the payments and my overhead. It was suggested to do a Deed in Lieu of Foreclosure if the house doesn't sell. My question is: Can the mortgage company put a hold or lien on my bank checking account where I have automatic deposit or garnisher my retirement income for the outstanding equity loan? I care less about a credit score. Don't need anymore credit at this stage of the game.