Cannot afford paying mortgage!?

I owe about $ 23K on the mortgage and been paying on time for years until now. Is there a loan modification or some type of forbearance for 6 to 12 months until I get some source of income to pay the mortgage with my mortgage company? Of course I understand I will owe the difference later on. Any best advice to keep the house until the mortgage balance is paid off.

The house is worth $ 75.5K

Thank you!

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