Ohhhh, there is hope and assistance out there for you!
In many cases your lender may actually be trying to contact you to help work something out. I would encourage you to talk to your lender to see if they are willing to work with you toward a loan modification or a short sale at the very least.
Be careful as there are a lot of people out there preying on people in your situation but there really is help. If you'd like assistance finding a reputable Realtor or Home Retention Consultant in your area, please feel free to call or email me!
With Your Success in Mind,
Keller Williams Integrity First Realty