Should I send the bank a letter if I am planning on walking away from my mortgage?

We were offered a loan modification after a 12 month forbearance.
We made 6 trial payments like the bank wanted and then received a letter saying we were not approved for the modification and that they wanted 19,000.00.
If we had that we wouldn’t of needed help then. (WHAT A JOKE)
My husband finally found a job but in another state and we have to go
what steps should we take in walking away
ie should i turn off utilities, send the bank a letter and what should i say in the letter. (we live in ohio)
I hate to do this but we are drowning and have no other choice. thanks

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