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You can file for chapter 7 bankruptcy instead of chapter 13. I only know this because I am one of those people who is in a serious money bind, not only with my other bills, but my mortgage. My mortgage is 186 thousand and my home is probably only worth 100K. Thankfully, my bank would much rather help me than have me foreclose (which just means they would get stuck trying to sell a house worth 86k less than the loan is worth). It just bites the situation I am in along with everyone else. Especially living in Arizona, we have one of the highest rates of foreclosures right now. My subdevelopment isn't even completed and there are already homes in it that have foreclosed.
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"Courage is not the absence of fear, but the capacity to act despite our fears" John McCain
No one can make you feel inferior without your consent." Eleanor Roosevelt
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