Talk to the lender ( someyime they will do a loan modification) , talk to HUD ( they have several programs that may help your situation), and talk to a lawyer sepecializing in Real Estate. NEVER RELY on hear say.
Ashort sale is an option as well contact me if you would like to know more about what a short sale is.
I hope this helps.
Joni van Stavern
Century 21 Dallow
I promise alot and deliver even more......