notice of default- 90 days to pay current or vacate
trustee sale notice comes 14 days later with actual sale date. as in te sale is within the 14 day period.

there are some loan modification programs where if you apply the bank may postpone the sale .. but if at the end you don't qualify I think they pick up where they left off before.

the real estate agent sounds fishy. they're not supposed to charge you for helping you with a loan mod all. check CA law on that.

but it sounds like agent might be trying to work on a short sale... agents don't look out for buyers, that's my personal opinion. they look for commissions.

you can file bankruptcy and postpone the sale. but you need to talk to a lawyer to get advice. I can tell you generally , but I can't give legal advice

lastly even if NOd, Trustee Sale... the new owner either does an unlawful detainer or hey do cash for keys. but it depends on the owner.

that's how I've seen it.

there is life after that. you just have to rebuild credit. trying to rent .. landlord might ask for a heftier deposit but that has its legal limits, buying a new house ... like any other sale.. if you give them 20% or more they take it after rebuilding credit.

... anyone? anyone? bueller? well. if this isn't a sham and it's legit I can offer more info. I still have this stuff in my brain even though I don't work for that office anymore.