Gee dexter you are having a tough go of it! Hopefully your T has some resources to refer you to for the other problems... I don't know all your circumstances but... can you have your work put you on "temporary leave" status and thereby you have a foothold to hang onto your home. You can then deal with the bank .. they really don't wish to forclose , but they need assurances that things will be different in the future.

Well, you are sure things will be different, you just don't know in what direction. Rest assured, SILENCE to the bank will not get you what you want. Call them, often, reassure them you're working on it, that this and that... agree to call them and let them know..

You might need a pro-bono lawyer. I don't know where you are, but often with the FREE credit counseling services (mind you, there are may that are NOT free, but most religion based ones are free) you can get this. There may be a legal way to stopthe foreclosure at least for some months..?

Remember it means much to the bank that you are actively trying to solve your problems... good luck!

Please research anything I suggest before believing...