WF Mortgage

My mortgage with WF is 3 months behind. I have spoken with collections many, many times. I have filled out the borrower work sheet 2x. The first time they told me I had money left over and should pay them (???), the next time they said I had NO money and they couldn't help. The only offer they have made to date was to skip one payment and then pay additional for the next 2 months. I have explained I was in an auto accident and can't work. My husband works all the over time he can get and we have sold everything we have to sell. My oldest son even cuts and sells firewood to help out... I've told them once I get my settlement from the accident we will be fine. Collections will not let me speak with the default dept. They will not even allow me to delete the escrow part of my payment (which would allow me to make the actual mortgage payment -- mtg pmt 850 escrow 350) They said if I sent 850 they will consider it a partial payment and they dont accept partial pmts.
I am at my wits end. My husband is working and worrying himself to death. Any suggestions on how I can get them to help me????