For those falling behind on mortgage payments, it’s only natural to begin to think about the possibility of foreclosure. When that happens, it’s often the response of the homeowner to avoid collections calls, discard late payment notices, or otherwise ignore their lender at all cost. This behavior is the first mistake in avoiding foreclosure. The path to foreclosure can be broken into various stages: Missed Payments If you’re questioning when foreclosure can begin, you’re likely already behind or anticipating becoming behind on payments. At this stage, homeowners legally have 120 days from the day of the missed payment before the.