My husband and I are debating on foreclosure. We bought the house in 2010 and have been trying to sell it since April 2011. We have tried 2 realtor, unable to even come close to a sell. I have tried working with my bank, BoA, and they have my SS# wrong in the system and refuse to work with us. We are very behind on credit card payments and other payments. Even had our van repoed last year. From what I understand we owe $117,000 but our house is worth $127,000. Does that help us any? My question is if we leave will the bank file deficiency judgment on us. If they do what can we do? I feel like there are no more options for us. Thank you!