2nd going in foreclosure

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Help! My husband has been out of work almost one year due to a back injury at his job. We have been struggling to hold on to our house and pay our other bills. We are not in default with our first mortage, but do have one late payment (30 day). The problem is our second mortgage. We are in default with them. We keep them up dated and offered to pay something just to keep us in good standing with them. They won't accept the payment if we can't make a full payment and then pay the remaining past due amount the next month. Needless to say, we got a letter stating they wrote our account off as a charge off. We called them and they said unless we pay them in full by 30 days $72,000 we will go into foreclosure. They suggested that we refinance with a sub prime lender to buy us time. What other options do we have? If I can't afford to pay my second now, how will I pay a loan payment that will be even bigger? Do we have any other options? Selling our house would be fine except, the selling market is low and no houses on our block have sold in the last 6 months.