Here are some hardships situation - if you have or feel something is not in the list you free to call your mortgage lawyer for free consultation.
I am sure you can find more listings on Hardship in the internet. The list below is taken from one law firm group I consulted among maybe 10 of them.
Disclaimer: All my posts are for informational and educational purposes only.

Adjustable Rate Mortgage Reset Payment Shock
Illness of the Borrower
Illness of the Borroers Family Member
Curtailment of Income
Loss of Job
Loss of Property Value
Abandonment of Property
Property Problem
Inability to Sell the Property
Inability to Rent the Property
Mortgage Servicing Problems
Transfer of Ownership Delays
Reduced Income
Job Relocation
Death of the Borrower
Death of Spouse or Co-Borrower
Death in the Family
Incarceration
Divorce
Marital Separation
Military Duty
Medical Bills
Damage to Property (natural disaster or unnatural)

GOOD LUCK!

Leonidas