If you have not paid the mortgage, the bank will start contacting you to know when you can pay it. If you have fallen behind 1 to 2 months in payment, the bank will tell you that they will start the foreclosure process for your home. Don't worry about your home getting taken away immediately. The foreclosure process takes at least a year. You will have a fair opportunity to get help and try to recover.
You should consider consulting with a housing counselor to personally help you.
Go to this website to find housing counselors near you: Consumer Financial Protection Bureau
Tips for protecting yourself from scams: http://www.ag.ny.gov/consumer-frauds/help-homeowners