Suppose you have seen Repossession and that has affected your borrowing capacity and credit rating too. What you can do is, make the best use of the opportunity that suits you the best. In case if you are scared to attend the court, you can make an arrangement of a mortgage lawyer who can help you. They may charge you a heavy fee, but they can handle the court problems in a nice way. 

You can make use of Equity release plan. This helps you to release equity or worth in your house and let you stay there. That depends on the terms and conditions of the mortgage contract or agreement too. Whatever is mentioned as the terms and conditions, you need to agree to those. That is mandatory. 

The Sell and rent back option is like release plan. But it is 10 times more efficient and free of any financial obligations. You can find 98% of the real market value of your property worth. You sell back the home and quickly get the tied or blocked cash in order to make a recovery. Its free from financial obligations and problems. You make use of quick property sale option too. Some agencies can arrange the quick buyers for you. They may make or charge some commissions, but the market value would be nearest to the home assessed value. Use a property book valuation model.