Not yet.  You still have a chance to protect your home.  Foreclosure is not instant, and an attorney could help you delay the process or work out a plan with your lender.  You may be able to sell your home to pay off the loan and get some of your equity back.  If you want to sell your home or stay in it, you should keep making your payments.  You may also be able to refinance the home, but if you have a poor payment history that would be difficult.  Any lender would prefer you to keep making your payments than to sell your house at the foreclosure auction during these difficult economic times when home prices are declining.  You may be able to negotiate a payment reduction with your lender.  You may have some legal defenses to the foreclosure that should be explored with an attorney, including predatory lending counterclaims or statutory violation claims.  

    If you are behind on all your bills and have enough money to pay only your house payment, you should consult a bankruptcy attorney because you may be able to file bankruptcy but keep paying your house payment and save your home.  Your mortgage payment is more important than almost any other bill you have, because it is secured by your home.