how long will you be out of work? mortgage companies will work with you if you keep in contact with them, send a doctors note, do you have disability insurance?
By not doing anything will make your situation worse, contact your creditors, explain the situation, most will lower your rates if you have been in good standing, hopefully this will be a temporary set back.
if collection accounts are involved, all you have to do is sent $ 20.00 per month, regardless of the amount owed, this will show good faith on your part.
Cynthia,RN