If you cannot afford an attorney you may be able to get one who will work for you and get paid after you sell your house.
If you're not able to afford payments and/or property taxes then you may need to sell.
I hope this answer helps you.
All the best!
You should not lose all or most of your equity if you only owe 11000 on your house. The WEB site below can provide information. I am a CDPE in Miami Beach, feel free to contact me for information.
Residential Home Specialist
South Florida Brokers & Assocaites