State's establish laws concerning foreclosure action. Not knowing the state or the exact nature of the foreclosure document ( "Right To Cure" letter, forclosure notice, etc.), it is not possible to give a specific answer. If it is a letter of demand, the only response to such is for the borrower to adhere to the terms stated in the letter. A notice of foreclosure generally outlines the time in which the borrower has before the property is sold, whether the borrower has redemption rights, and so forth. Some states allow self-help foreclosures as outlined in the lending contract, some only allow foreclosure through judicial procedure, some allow either depending upon the individual circumstances. The only other option is to contact the lender and try to resolve the problem.