Mortgage Loan Modification/Chapter 7 or 13?

Hello, 2 1/2 Years back I got a Home. I had a job that paid me 14 an hour (50hr work-week). Unfortunately after the economy crashed and Layoffs took place. I've now been through 2 jobs and now i earn half of what i used to... Point is I've had a lot of trouble keeping up payments of my home. I need to know if there's anyway I can get home debt relief and keep my house. Miraculously I have a perfect record of payments, never been late, but now my bank accounts are completely empty and I can't postpone it any longer, I don't have any other debt's except for my home mortgage. I have 1 car and a (old project car). That's all I own & I can't lose them. Please help with suggestions....