I'm sorry for your situation. Many people are in the same boat as you. A law was passed last year to help people in your situation. If the property goes to foreclosure the bank cannot come after you for a judgement. The property itself is security for the loan. (in a few cases where mortgage fraud is involved the lender can sue)
I can recommend a very inexpensive legal service called Pre-Paid Legal. They can discuss your situation and offer legal advice for $35.00.
Call me if you are interested or I can answer any questions.
Forbes Realty of South Florida