Asses your finances
During any financial trouble, you need to assess your position thoroughly and should have a detailed analysis. It will help you a great deal in coping with an emergency situation. As soon as you realise that you will not be able to make payments on time, you should calculate your budget and see how much of the monthly payment can you make. If you are able to pay a certain amount to National City Bank, you would be in a much better position to negotiate and avoid a foreclosure.
There are many people who take remedial measures to avoid a situation where the bank sees foreclosure as the last resort. If you are unemployed, you should work hard to find a job by using your resources. If you are already working somewhere but you have added expenses, you can look to work overtime or find a part-time job to improve your income.
Consult your lawyer
Consult your lawyer or attorney about the whole situation and see what he/she advises. If your financial lawyer is good enough, he/she can help you avoid foreclosure, even if you have missed some payments.
Talk to the bank
National City Bank offers a very friendly customer service. Call the bank and get all the related information. Be very respectful to the customer service representative and thoroughly explain your situation. The representative will let you know about all the options at your disposal. Make an effort to lower down the interest rate that you are paying. If the interest rate comes down, the monthly payment will naturally decrease.