I live in Ontario, Canada. I purchased my home a little over 2 yrs ago. Around June of this year I ran into some financial difficulties and missed a payment. My payments are high as I was recovering from bankruptcy due to separation 13 years ago. In September I accepted a position out of the area and was hoping that the sale of my house would remove the financial stress. However, at the same time the mortgage company decided to proceed with legal action and threat of foreclosure. I made an agreement with the mortgage company through their legal firm to be given 60 days to sell my house and maintain my $2100/mo payments for September and October. It doesn't look like my house is going to sell and I don't know what options may be available to me with this issue outside of filing bankruptcy again, which I would like to avoid. However, having said that, if I was to file bankruptcy, should I wait until the foreclosure or should I go ahead now and will the bankruptcy encompass the money that I may owe after the mtge company sells my house re shortfalls? I have about 1 month left before I must vacate the premises per my agreement with the mortgage company. Because of the payments and paying for living accommodation outside the area while I work, I haven't had the money to try and find a new rental residence. I will, literally, be out on the streets by November 12th. Is there anything I can do to prevent any of this?

I would like to let you know one thing none of Banks would like to send their clients out of their houses, because they are the one going to loose money by keeping the property in the market for uncertain time. Therefore you are the one they have one source that they can count on you in getting something from you rather not having anything.
I have a house in Florida state, recently I lost my job, my Chase finance bank started threatening me saying that they send my property info to their attorney, also who ever I spoke with in that Bank has no legal employee ids, no names. Therefore I assigned my case to 8 is on our side site. Now they assigned an investigator for me to investigate the Bank and their procedures.
If any Bank pass their limits we have other sources to contact and stop this nusence.