Payment or not

We are current on our house payments, but we actually don't want to
keep the house. If we just walk away without filing chapter 7, they'll
sell the house and we'll still owe the mortgage. Can we just stop
paying the mortgage and force a foreclosure and then file? We actually
don't have enough money to pay minimum amounts on all the bills and
have gas money or money to do immediate car or house repairs or any
medical or dental care or new clothes or entertainment etc....
If we stop the payments, will we have to account for what we did with
the money?

Thanks