NOTHING. Go to Operation Hope, Acorn or other non-profit agencies for a loan modification. Be ready to do alot of the work on your own, which is usually the best way to get it done. (If you want something done right, do it yourself).
They will make you fill out a monthly budget form and they will verify your earnings with paystubs. Based on that, they will ask the note owner. Freddie/Fannie are lukewarm about modifying right now. Good luck.