You many qualify for a short sale or a deed in lieu. Please call me to discuss your case or review the blog on my website at www.tamkinlaw.com. Thank you, Eli Tamkin, Esq. 850 Euclid Avenue Ste. 1012 Cleveland, OH 44114 (216)333-1294-Tel (866)-827-1288- Fax emt@tamkinlaw.com