I see that you are from North Adams. My first question would be, who is your lender? If it is any of the locals, Hoosac Savings, South Adams, Legacy, Greylock, Lee Bank, Williamstown Savings, etc. CALL THEM and try to work things out. Local lenders here will frequently bend over backwards to keep you out of foreclosure. They would reather give you a break now, and keep you as a customer locally for many years to come. Foreclosing costs them a lot of time and money, and they lose the potential interest over the years from the remainder of your loan.
Are you carrying PMI? Depending on the insurer, there may also be options available to you, but you won't know unless you take the initiative and let them know you are willing to step up and get to work. Hiding out, avoiding phone calls and letters will really hurt you. The lender then has no recourse but to foreclose.
Now, if you resorted to a national lender, perhaps someone on-line, your options will be more limitted. Large corporations have page after page of protocols they have to follow, and it it really hard to get them to stray from the script, even if you CAN actually speak to a human at some point.
The advice to get a good attorney and accountant is very good advice. Contact me if you need a referral in that area. I have names in north county of professionals whom I trust. I hope this helps.