I asked the bank ro refi from intereste only to fixed, without changing the balance even though the property has decreased in value. Due to closing of business in that region (Red Bluff, CA), and their unwillingness to work with me, I stopped making payments and tried to do a short sale. Now the investor on the 2nd will accomodate for the interested buyer. I offered $5,000.00 to close the deal, but they refused and want 80%. Am I covered by California Law passed SB 458. What is the next suggested plan of action? Deed in Lieu of Forcloser? If so, what bearing does that have on my credit? .