I think we got scammed, now we get foreclosed... how is this fair?

House was refinanced for a business opportunity in October 2006. I personally was led to believe that my name was not going to be on the mortgage, which it is not, however it is on the note. I contacted the mortgage company and stated in Sept. that we wanted to make three payments to try and bring the account more current. We were advised not too by our lawyer, so now it has been several months and the mortgage is even further in arrears. We received notice from a lawyer Steven Blum back in August. I did contact the mortgage company who sent us papers for us to show that we can afford this note. However, we cannot afford the 3114.00 per month since the business that my husband went into folded. We actually believe that his ex business partner scammed us, especially since he had the mortgage guy, who made sure that the loan went through, etc. What we really need is to refinance the loan to an amount that we can afford. The current loan is for 280,000 at 9.50 percent for 30 years. If we could cut the payment in half or close to it ,it would be fine. We did have a lawyer respond to the notice approximately 2 months ago but we have not heard anything. I hope that it is not too late. I would appreciate any assistance you may give me.