Bubbles you need to call your bank back, ask for the home retention department, tell them your situation. The key is if you have any ability to pay, they should be able to help you. Often a forebearance will get you out of foreclsoure, ask about that, a loan mod only lowers your payment by lowering your interest rate. If they cant help ask for a manager and ask again. If all else fails or if you have no money to make any payments, you should ask abouty a short sale which is better than a foreclosure.