Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Based on the situation you described I would seek a consultation from a bankruptcy attorney in your area. Many, many attorneys provide a free bankruptcy consultation. Explain to them your current situation and they will be able to go over all your options and provide you with the best option that fits your needs.
You can also call the mortgage company and explain to them your situation, they may be able to provide you with a "hardship" reduction in interest or deferred payments. Make sure you mention your disability, and see if the mortgage company offers any relief to you as far as payments.