You have received good adivice, I would like to add you should go in person to your bank and talk to someone there, that always works best, then you will know your options and can proceed with the advice from the other agents as to what to do.
NOW will be a good time to work with your existing home loan lender. Home values are going back up and the lender will feel more comfortable in modifying your loan than when the values were plummeting. In 2008, when you say you began trying to contact your lender, values were in a free-fall. Starting around August last year values began to level and rise. Simply click on the blogsite listed below for that data.
I would be happy to provide you with the charts we created demonstrating the rebounding numbers. Maybe they will NOW begin to listen to you when they see the facts on values in our area.
Before you asked them to foreclose, have you considered all of you other options? Short sale, loan modification, deed in leiu? All of these services are FREE. Loan modifications you can do directly with your lender and it doesn't cost you anything. With short sales, you work with an agent who will sell your home and work with your lender to get the home sold. In the meantime, you can still live in the home. A deed in leiu is where you give the house back to the lender, but usually they will want you to try and sell the property before you give it back to them. I hope this information was helpful.
I'm assuming that you are a struggling homeowner in a tough situation, I would suggest that you contact you lender as well as the Hope Now organization to receive assistance. You can find the Hope Now organization online at http://www.MakingHomeAffordable.gov or call them at 888.995-HOPE.
I hope this helps!