If you owe more than your house is worth you might think of doing a short sale.

You find a buyer for your house. And you convince the lender that they should accept whatever the buyer is paying even though that amount is less than what you owe.

Short sales are done more and more because if you can't afford to live where you are anymore, and you owe more than your house is worth, what else is practical?

The lender doesn't want your house back. The stop foreclosure short sale option gives you breathing room. You list the house with a real estate broker or you sell your house in nine days doing the sell house quickly system. The lender doesn't get a house back. They get partial payoff of the mortgage. You can negotate with them sometimes as to how they report your credit and you are helping to resolve the problem.

This beats just walking away because your credit is better. A "Paid - Settlement" is often what appears on your credit report. A minor ding compared to "Foreclosure."

You can do a short sale one of two ways. You can work with the lenders yourself and get them to agree. Or you can go with a specialist who will help you. I recommend you learn about doing it yourself. It isn't difficult. And you can still get help from someone when you are talking to your lender.

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I know how to easily do a short sale, get out from under difficult or even dire situations, reduce credit card debts without bankruptcy while raising a credit score, and even how to sell your house quickly. I never share your information with anyone at any time.