Best path to deal with personal foreclosure?

[Micah Harris]

Someone I know is and will be having a hard time being able to come up with her house payment from here on out. It is apprx. 635/month and is financed through the people who sold it to her, not an institution. It values at 124,000-130,000 and there is 82,000 left on it. She is now four months behind on the payments. Would someone please reply with some sound advice on the best courses of action? Thank you.