1 yr ago I filed bankruptcy, divorced and 6 months ago refinanced home,can't pay-want bank to foreclose?

After divorce I refinanced 1st and 2nd mortgage so he would be off the loan and gave him his VA cert back. Now 6 months later I can't pay due to wage issues. took in a roommate but now hours are cut and back in same boat. Foreclosure seems only option. Can't file bankrupcy, can't refinance and too soon for any equity or pymt options. please advise