You think, “I cannot do this anymore. It is crazy. There is no hope for this economy. I cannot hold on any longer. I am sinking. I need to foreclose now. I will do it.”
But wait! At the back of your mind, you are thinking – is there another option? Options? You are thinking – I think I may have heard of something.

There is one: through a short sale. But again, it is not that simple.

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