It's been more than 10 years since this many Americans were behind in their mortgage payments. Some of those now behind will end up losing their home to foreclosure. But others will survive. The difference is often as simple as the ability to negotiate. Here are some talking points from the front lines of the fight against foreclosure. Know what you want and how to ask your lender for it. Also start early And be proactive with a plan and a detailed written budget. Also have proof of what you can afford. And finally be persistent.