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It would help if you had a local lawyer help you out since there are other reasons for foreclosure apart from failing to make payments. They may be foreclosing due to unpaid insurance, taxes, state of disrepair, diminution in value due to market conditions or alienation without authorization...

If you have to get to work and you are in fact working, you may have trouble getting anything. Usually the insurance company will hire investigators to follow you and film shoveling snow, carrying cases of beer or doing yard work. Workers comp and personal injury cases are not usually settled...

It is not a crime to refuse to talk to the police in the US. It is your right under the 5th Amendment to the US Constitution. If they want to arrest you? Fine. They can arrest you. That is their right and sometimes their duty. But if you speak with the police without first talking to a lawyer...