There you are, out on a limb. You're praying your boss won't follow you up the tree and saw off that branch barely supporting you. Kind of scary, isn't it? And if it's not your boss you're afraid of, maybe it's one of your creditors wanting to collect on a past due bill. That house of yours was once a security blanket. Now the mortgage debt adds so much weight to that limb you're on it appears you could fall at any moment.
The question you ask is "what's the next step?"
You wouldn't be asking this question unless you were outside your comfort zone. Set your creativity free and go to work on a solution. Don't be afraid to fall. Do you trust that the Creator of the universe is watching over you? This is a good time to work on your prayer life. Most people only talk to talk when they're out on a limb. He's waiting for you to have a little faith. Go ahead. Talk to him.