Home foreclosures are up, in part because of defaults on riskier subprime loans, putting many communities at risk. But if past surveys continue to prove true, many financially troubled homeowners will never contact their lenders to work out a way to keep their homes.

Foreclosure filings, which include default and auction sale notices and bank repossessions, were up 7 percent in March from the previous month, and up 47 percent from a year ago, according to the Web site RealtyTrac, which follows foreclosures.

California, Florida, Texas, Michigan and Ohio had the most foreclosure filings, accounting for 50 percent of the nation’s total foreclosures, RealtyTrac found. Kansas’ 447 foreclosures in March ranked 35th among the 50 states and the District of Columbia; the monthly total was up 5.67 percent from February.

RealtyTrac says that when you exclude mortgage defaults among subprime borrowers – typically people with past credit issues – foreclosure filings nationwide are at normal historic levels. However, if foreclosure activity continues to accelerate, we could see “widespread consequences” for all of us, RealtyTrac concluded.

Some steps already have been taken to help people in danger of losing their homes. Neighborhood Assistance Corporation of America, a housing advocacy group, said it has received funding from Citigroup and Bank of America to assist borrowers in refinancing $1 billion in mortgages. Freddie Mac and Fannie Mae, two of the nation’s largest mortgage investors, announced plans that would help lenders refinance subprime mortgages held by strapped homeowners.

The reality is that many financially strapped homeowners don’t respond to calls or letters from their lenders. An overwhelming majority of respondents in a Freddie Mac survey said they didn’t call the company servicing their loan because they didn’t think they had any options.

With many loans being sold and resold and packaged to investors, it can be difficult for some borrowers to figure out whom to call to resolve their arrears. Even so, as soon as you know you can’t make your next mortgage payment, it’s imperative to take action. You may have some options including negotiating a repayment plan, requesting forbearance and asking to restructure the loan, said Ken Wade, chief executive of NeighborWorks America.

Under a repayment plan, a lender will give you a fixed amount of time to repay the amount you are behind by combining a portion of what is past due with your regular monthly payment. At the end of the repayment period, you will have paid back the delinquent amount.

In the case of a forbearance, the lender will temporarily allow you to pay less than the full amount of your mortgage payment and may even exempt you from paying anything during the forbearance period.

Typically you qualify for forbearance if you can prove that you’ll be getting funds from a bonus, a tax refund or some other source that will let you bring the mortgage current at a specific time in the future. You also may qualify for a forbearance if your income has dropped temporarily.

In the case of a loan restructuring or modification, the lender may lower your interest rate or extend the length of your loan.

“Three years ago it was less likely a lender would restructure a loan but as foreclosures have exploded I think more lenders are more willing to do things differently,” Wade said.

If you’re afraid to contact your lender, then look for community help. For example, the Homeownership Preservation Foundation, a nonprofit organization based in Minneapolis, has established – with a lot of funding from lenders – a toll-free hot line at (888) 995-HOPE (4673). You also can get information by going to www.995HOPE.org.

The telephone lines are staffed 24 hours a day, seven days a week with counselors who can help homeowners develop a budget or explore loan workout options.

“The key is to get people experiencing problems in paying their mortgage to call as soon as possible,” Wade said.

If you can’t make your mortgage payment, don’t be afraid to call for help.