Mortgage Foreclosure- Please help!

Hi. I have been going through the Loan Modification process with M & I Bank. I received the Foreclosure notice after I started it. I talked with the lady that was helping me and she ask me if I could handle paying a bit more to make up for what I was behind and the fees. I said that I could. She said she would have the attorneys draw up the papers and get them to me when they were completed. It took about two weeks and I just received them Wednesday. It states that I need to send in $1614.00 to pay the legal fees and that this needs to be paid by June 22. I then have to have the first payment of $1049.18 to M&I Bank by July 3rd. If I don't get the first payment to them they may proceed with the pending foreclosure action.
I don't have $2700.00 dollars. This is when I usually get myself in trouble and do something stupid. Instead I am asking you all what I should do.
Any advice would be very appreciated.
They aren't increasing my term or lowering my interest rate.
Is there a reputable mortgage company that might allow someone with poor credit to refinance?
Thanks,
Michelle