答：

 Yes , Home owner have the right not to get foreclosure. Consider these scenario, home owners can do something to stop the foreclosure procedure that may postpone the foreclosure over 24 - 36 months with special skill, technique and strategy.  The foreclosure schedule as following:
 3 months – homeowner stops paying mortgage and servicer collection efforts to homeowner
1 month – wait before servicer will file NOD ( Notice of Default )
3 months – F/C timeframe
1 month – schedule to auction (20 days but most often longer)
3 months – TS postponements due to loan MOD processing
3 months – farther loan MOD processing
3 months – short sale processing, loan MOD failed
2 months – short sale negotiation
6 months – short sale did not close, BK filed by homeowner
2 months – BK discharge for property
6 months – another BK filed by a relative occupant to avoid evicted soon
2 months – BK discharge
3 months – relative occupant claim as tenant, 90 day eviction notice to vacate
2 months – to lock out time by Sheriff
4 months – close escrow with new buyer