Saxon sent me a foreclosure summons, which I was not expecting

I am currently about 6 months behind on first and 5 on 2nd. I have tried to work with mortgage company for last few months with no luck. Took over month to talk to anyone and found out the person that was assigned to my case was no longer there and they never returned my calls. Was assigned to a new person and when I finally talked to them, they said need $7-8,000 to consider working it out and didn't state what the settlement would be and I didn't have that due to family unforeseen medical issues. They tried to serve a summons yesterday, which I didn't expect since we were in negotiations, and we really want to keep the house. I feel you might be my last resort to work with them. I know they are probably overcome with foreclosures and thus a long time to process and get back, but has cost me a lot of valuable time! The second mortgage payment is $660 a month, just to let you know. We have some money as good faith, but not the 5 months or so behind.