You should take a look at this previous post - http://www.trulia.com/voices/Financing/My_mortgage_adjusted_
Christopher in particular has some great answers.
In short, contact your mortgage company first thing tomorrow and talk to a "higher up" there.
If need be, you can ask for the loss mitigation department.
Good luck to you!
I'm sorry for your situation, and I hope everything will go well for you.
Keep your payments current. If you are falling behind please contact your lender to work out a payment plan or renegotiate with them. Selling could be another option if you have equity. If there is no equity maybe a short sale. Here is a link to avoiding foreclosure. http://hud.gov/foreclosure/index.cfm
I read your other questions and I am so sorry for your situation. Sounds to me that you are trying to negotiate with your lender, but you are not able to refinance (did your property value fall?) and the rate is going to adjust soon?
Here is a link to HUD on how to avoid foreclosure,
Link to loss mitigation http://www.fha.gov/foreclosure/index.cfm
Link to FHA Secure program http://www.fha.gov/about/fhasfact.cfm
Some of your options are renegotiate the loan with the lender (however, this can be difficult if you have a teaser rate, the rate adjusts, housing value goes down due to the market or negative amortization, etc), get a second job, rent out part of your house to help with the payment, ask for personal loan (but how long will that last?), arrange for a short sale before foreclosure kicks in, etc.
Be sure to consult with a tax attorney, and real estate agent that's familiar with short sale. Does not sound like you have a lot of options nor time.