Wow -- it sounds like you have a lot going on. Candidly, your circumstances with multiple properties and lender liability issues are probably not really amenable to really useful advice on a posting like this because the specific facts of you case are complicated. You would do well do consult ASAP with lawyer who does this type of work. Fortunately, almost everyone in this world of law practice will consult with you initially without charge or obligation. Whatever you do though, you want to get advice and make decisions sooner rather than later so that you preserve as many options as possible.
Lawrence R. Holzman
The Holzman Law Firm, LLC
cell: (301) 742-5344
You should talk to a foreclosure/bankruptcy attorney immediately. You can call your local bar association or try a well known lawyer in your area. Even if they do not practice in that area they likely can provide you a good referral.