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My mortgage is 70k under water and the only option left is to walk away. I wish to do so with the least amount of damage to my credit. I have only $3,000 in credit card debt, so really the mortgage is the only issue. bankruptcy will cost $1,500 to 3,000, is it really necessary?Thank you Andrew....yes I am VERY behind on my mortgage, foreclosure is very near. Staying in the house is NOT an option anymore