Avoid foreclosure by selling the house for less than is owed. This is called a short sale and is a much better option than foreclosure. It takes a little work and communication with the mortgage company, but is a very viable option if you are underwater on the home and can no longer afford the payments.
For more information on Short Sale help in Jacksonville, FL, check out my most recent article on short sale help in Jacksonville FL. The article discusses foreclosure, loan modification, and short sales.