You said you "enter into the short sale process". You have only entered it? Make every payment within your power to make. Your short sale can take quite awhile to approve, if approved. You do not want to get so far in over your head you have to be foreclosed upon.
Things happen and circumstances change. However, your loan agreement stated you would make your payments on time, or you would lose the property by foreclosure. You gave your word and you have a duty to do everything possible to keep your word.
There is a lengthy process to the "Short Sale". It is by no means an instant solution to your dilemmas. Whether you have your home listed now, or will after the approval of the short sale, that kicks off another waiting process.
I would strongly advise, if you have not already done so, you begin speaking with agents in your area with a proven track record of short sales. You do not want to scramble at the 11th hour to find a listing agent to handle your sale. Short sales require expertise and experience. It is a sale that takes patience and understanding of the process.
You should speak with an attorney as well. Find out whether a short sale is your best option, or if there is another that will save you time and grief and the least ramification financially and legally.
Protect yourself, and do your best.
However if you are making payments at the cost of being able to feed your family...well...we all make choices.
Do what is right for you and your situation.
So, to answer your question directly, the bank can't force the payment out of you. So you can stop. But you will pay a price for it.
Have you already listed your home? If so, what did your agent advise you to do? If not, I would be happy to help you get your home sold so you can get this behind you.
No one should be telling you to stop making payments but look at it this way, YOUR KISSING YOUR MONEY GOOD-BYE! Do you have money saved to move? How about some extra cash for first and last months rent on your new place? Keep in mind the one thing that messes with your credit score is missed payments. How much is your credit worth to you? A short sale can last 3-6 months. It adds up. I would be happy to talk with you about your options. http://www.shortsaleinlosangeles.com
Yes I would because you have exhausted all your resources. Now you will need to put together your short sale package and get it ready with your hardship. I have done many of these. I would be happy to help. Do you have a trustee sale date scheduled?
Bank send a package upon your request that needs to be filled out by homeowner.
Is your property for sale? You should contact a Realtor for advice.