Here are few tips:

-->Refinance your mortgage, which can sometimes cut your monthly payments to half.
-->Rent a house which is cheaper and use the difference to pay your debts.
-->Get a reverse mortgage, best for older couples, basically, the bank advances you a portion of equity in your house. The bank can deduct whatever amount you have left on your mortgage from that equity, and then they can pay you out the rest of the equity, in cash, over a certain number of years. You will get a check every month for a certain amount of money and have money to spend; you won’t be paying for your home, and you’ll still be living there.
-->Negotiate with your bank, you want to speak to the settlement department, and if you’re in default, you want to call the bank’s workout department.Also, the poorer you are, the bigger the discount you can negotiate.
-->Sell your home- for ex, under price the house, make it look clean and tidy, advertise an open house for 5 hours. Have bid packets ready and ask for sealed bids within 50hours.