What problemwould you like to solve?

"Wife lost her job to AI almost 2 years ago and has been unable to find a job since, mortgage is unsustainable."

"I'm going to be speaking to realtors soon, and the mortgage company just to see what kind of options I have left to me. I have about 30k in a 401k, but I've already spoken to them, they wont let me cash out until I have a foreclosure notice in hand, which kind of seems a moot point, because even if I did that, it just buys a few more months maybe. My income doesn't even pay the mortgage, much less any of the other bills. So, we know selling and/or foreclosure is ultimately the likely outcome unless we get a windfall out of nowhere somehow in like the next 30 days. How upfront should I be when speaking with the mortgage company, about my financial situation? Should I engage a lawyer? We're also considering if bankruptcy is a right situation for us, so if it does come up that way, should I do bankruptcy first, then forclosure or does it matter? Just really fucking lost right now, any advice or literature would be real handy."