Ending a relationship is hard enough but it is often harder when there is a home involved. I'm sorry that you are in this situation. My advice would be to avoid a foreclosure at all costs. It can have very negative effects on your credit and your ability to buy another home in the future. There are other options you can take. However those other options do depend on how you hold title to the home with your ex-girlfriend.
Please feel free to contact me and we can do some research on your options. I lived in West Jordan for many years and am very familiar with the area and the market in case selling or Short-selling your home is a better option than Foreclosure.
I look forward to hearing from you!
Exit Realty Legacy
In the meantime, your Credit Rating will drop to 550 and she will still have a free-rent place to live.
Perhaps your best course would be to consult a local Real Estate Attorney; for several reasons.
Besides whether or not a short sale, or foreclosure is in your best interest, you are going to be dealing with a tenant (GF) who is holding over and that creates another layer to your problem. So please, do contact an experience, local expert to guide you though your options so that you can decide which option is in your best interest.
All the best to you.
Many people post questions here on Trulia. I can never honestly tell if they are sincere. If you are sincere and really do want help, I beg you to please contact me. Yes, I am an agent like many others who post on here. However, I have options and solutions that most agents don't know about. It is too long to go imto here, and I do not want to give away my trade secrets, but I promise for every pot there is a lid, and there is more than one way to skin a cat. Call me, text me or email me. Please do not just walk away. You don't have to. Please let me help you.
Horizon Investment and Management