As you can see across the board, all of us Real Estate Professionals highly suggest talking to an Attorney, tax and accounting professional (that you feel comfortable with) to analyze your specific and unique situation.
Their are many options available to you prior to going into foreclosure (sale of the property at the courthouse steps) that could help relieve some of the issues a full foreclosure would bring. I would love to help you discover these options and see how we can come to a solution. I specialize in foreclosure and shortsales and understand these stressful circumstances. Let me know. I am a resource!