indymac 5/1 arm

My arm is due to reset in November 2011,5/1 arm. We cashed out in 2006 thought we had the house sold, then the buyer backed out , then the market took the big hit, now what do I do, cant afford the higher payment. I have $30.000 in the bank but I will not give it to the mortgage co for nothing, my wife was going to start back to work in 2007 but became totally disabled, I have been told I will not get another raise. We are $115.000 upside down, Everything I have read lately the bank wants to know every thing and even with a good case its steal Impossible to get a mod or anything to help. We have 8 Months to go, We have excellent credit now, paying the minimum, if we walk away we may be taxed until were broke, I need to keep extra money aside because of my wife's disability, I have some extra assets amounting up to $25.000, but the economy being what it is I cant even get maybe half that , Its a classic car, so I don't want to sale it for nothing, WHAT, if any options do I have. I have been riped off once already by bogus mod co, I can put money in someones pocket, but nut up front, that will never happen again.