Shawn you need to contact your bank again, ask for the home retention department. if you have an ability to pay something , ask them if they can assist you with a forbearance or loan modifciation program. The forbearance program can take people out of foreclosure by taking the back amounts and adding them to your total and letting you start fresh. Th eloan modicifcatin can lower your interest rate which lowers your payments.
If you have no ability to pay, ask them if you can complete a short sale, find a realto in your area that specializes in short sales that can help you sell your home to avoid foreclosure.