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The next step is for the lender to get a court order allowing them to sell the house. This sale is done in an auction, and the house may and may not sell the first time around. You can stay in your house until the house is actually sold, and the new owner files an eviction proceeding in court (the new owner cannot evict you on his or her own). If the house is not sold at the first auction, the bank has to schedule another auction - usually 6 months later. This goes on until the house is sold. There are many who are still in their homes years after having stopped making the mortgage payments.
There is generally no public assistance available for persons who are employed.