This website will help those in the 48210 see about stopping foreclosure of their homes.
http://www.hud.gov/foreclosure/ It may not be the answer to your question. I wish you luck.
You are in a position that is most painful. Gary (see below) gave you some good advice when he directed you to http://www.hud.gov/foreclosure.
Another good resource is: http://www.fanniemae.com/aboutfm/pdf/avoiding_foreclosure_eng.pdf. This document will help walk you through as well as give you some good ideas. If you would like to speak with a live human being, there is a 24 hour help line set up at 1-888-995-HOPE. The experienced counselors who staff this line will gladly help you know what to do.