Whatever else you do, go to the bank TODAY, in person, sit down and work out a temporary arrangement that you can handle until you can get someone to take the house off your hands. Collections and foreclosure is a lose/lose that they want to avoid. Delinquent payments and foreclosure can mess up your credit for years and if you take the proper steps now it is completely preventable. The bank may even be able to refer you to someone who can take over the property. Good luck.