One option is to file a Chapter 13 bankruptcy. Another option is to try for a loan mod. again, but if your lender is not listening to you, you may pursue a legal approach. You need to consult with an attorney who can advise you as to whether you can take your lender to court to make them work with you that way. If you made all forbearance payments and you were promised a modification, you could have a reason to take your lender to court. However, to make any repayment plan work you have to have sufficient income for your lender to consider you for a modification and to make a Chapter 13 plan successful. Sometimes, there are things not worth holding on to, and if you believe that you will not be able to make it work, consider letting the property go.
There are several options available to you and you should consult with a foreclosure defense attorney to review your specific situation. As mentioned, in order for a Chapter 13 or loan modification to work you must be able to make payments and keep up with them. An attorney would need to review your financial situation to determine the most appropriate strategy.
By posting on this site or answering/responding to questions does not create an attorney-client relationship and is intended to be an opinion only. My opinion is not intended to be a guarantee or promise of any outcome or result in your matter.