You need to find these answers:
How do they foreclose in MA? It's either two ways. Judicial Foreclosure or Non-Judicial Foreclosure. If the foreclosure process is non-judicial then the lender will not go after you for a deficiency judgment at the time of foreclosure.
Next, what type of loan do you have. Recourse loan or non-recourse loan?
If the loan is non-recourse then the lender has no legal right to come after you. However, if your loan is a recourse loan then the lender may foreclosure by non-judicial foreclosure and still come after you for the balance. In this case, they would have to obtain a deficiency judgment against you. The lender might sell that debt to an insurance company or a collection agency who will purchase the debt at a discount and then go after you for the full balance. You can try to settle the debt at a discount. However, you really need to have someone look over your paperwork if you can understand the verbage you are good. If you do not know what type of loan you have then you can visit a Hud Counselor who for free can assist you unless you want to go back to your attorney and pay those fees. Good luck!