Is it too much to ask to lower our paynents to something we can afford

We are retired and have a 14 year old son. We get SS for the three of us and adoption subsidy for our son. We refinanced last Aug. and because of financial circumstances with an adult sons car accident we got behind. Then our propane bill for the winter was more than ever and we could not seem to pay utilities, heat our home and still eat. We got behind right away. We caught up Nov. and Dec 2007. But was not able to catch up soon enough. We got a foreclosure notice on Apr. 19. I had sent a payment for January in Apr. but apparently the letter from the attorney stating we had 30 days to get in touch with him, the foreclosure notice, and my payment crossed in the mail. We got the payment back. We worked out an agreement to reinstate by catching up all payments, the attorney and other fees on May 21. My husband & I have 3 payments (Jan, Feb, & March) with some late fees amounting to about $3,250. We had a person who owed us money promise to pay back the $3500. which he owed us by today. They called and said that they cannot do that now. So consequently, we do not have the $6,669. that it takes to reinstate our loan. What can we do now. Our payments are too high. We were planning to put our home on the market in July. But as long as it is in foreclosure we will only get what we owe on the house ($146,000). A real estate person had looked at the house in April and said with the market that we probably would only get about $200,000. That is acceptable to us. We would not get as much as it has been appraised for but we would have some to help us in our retirement. Somehow is our payments were lowered a little we would be able to work things out until the house is sold. We would appreciate any help that we can get