Philadelphia has recently (April 2008) started a Residential Mortgage Foreclosure Diversion Pilot Program.
Under the program, homeowners faced with foreclosure will have the opportunity, after seeing a housing counselor, to take part in a "concilliation conference" in which the parties try to work out an affordable modification of the loan or an affordable payment arrangement.
Here is a link to the program regulations:
http://fjd.phila.gov/pdf/regs/2008/cpjgcr-2008-01.pdf
Here is a link to the court order and relevant forms (fillable PDF): http://fjd.phila.gov/pdf/regs/2008/2008-01-Order-Certification-Objection.pdf
