Is the mortgage company required to work something out with me?

Generally speaking, no. 

If the Servicer has Loss Mitigation programs, then it is required to accurately review your application to see whether you qualify for a Loss Mitigation program. 

These programs can include Loan Modification, Repayment Plans, Forbearance agreements, a Short Sale, or a Deed in Lieu of Foreclosure stating that you want to participate in Foreclosure Intervention and requesting a Loss Mitigation application.