Hi rk123,
Welcome to the forum and thank you for joining.............
If they have received a Notice Of Default you should be able to contact NACA immediately............they normally will begin with the phone consult and allow you to submit the paperwork and if the workshop is too far........they will be able to do the phone consult alone..............
click on the link for the correct start point and call them directly.......
https://www.naca.com/refinance/refinanceTenStep.jsp