"Call a lawyer" is right--and don't stop with one, speak with several. Every situation is different, and there a many mitigating factors which you have not mentioned, such as:
~Are you behind on anything else? (credit cards, etc.)
~Is this your homestead property?
~Do you have legitimate, verifiable hardship (loss of income or job, medical issues, etc.)?
Do not be afraid of legal documents--they give you more informaiton than you may realize. Many banks are now mediating foreclosures prior to going through the process of stripping you of your property--inform yourself!