Winston Churchill and FDR didn't just wake up one day and said let's storm the beaches of Normandy. 
 
Over the course of a couple of years countless operations deceptions and preparations were made just for D-Day. 
 
Despite all that work, Eisenhower prepared a speech in the event things went South. 
 
Your loan documents are terribly one sided, banking laws were written by the banks and a borrower has very little chance prevailing in a foreclosure. 
 
So if you call me once the banks already attacked, miracles do happen but your chances of success are very slim.