Anon+1,
Please go talk to your lender. There is a set procedure for Financial Institutions dealing with Mortgage repayments.
The last thing they want to do is repossess your house if there is any other way of dealing with the problem. They may be able to reschedule payments, give you a mauritorium to catch your breath, may be able to extend the term of the loan.
There are loads of options but if you don't go in & discuss it they'll think you're totally ignoring the situation.
That's what causes the problems.
It's a person you met when you took out your mortgage & it's a person you'll meet when you arrange an appointment. If at all possible that person will now try to help you. You have to show you are willing to do everything you can to sort it out.
He/she doesn't want the nastiness & hassle of going to court either.