Since you didn't provide an email in your profile, I'm afraid that I will have to reply to your answers publicly. You may not post an advertisement for your services on Trulia Voices. Please review our Community Guidelines located at http://www.trulia.com/guidelines/ and check out our Agent Best Practices blog post at the link below for more helpful information.
Trulia Voices Moderator
I am committed to working with homeowners to retain ownership and offer solutions when difficulties occur. Whether you are 1 month behind or facing a foreclosure sale date, you can take comfort in knowing that I am skilled at working with homeowners, lenders, and servicing agents. Get the facts on solutions to this problem by e-mail or over the phone from Christine Serafini.
Your best bet at this point might be to sell as a short sale. A short sale is when the market value of the property is less than what is owed on it.
A Realtor will negotiate with your bank for you in getting the balance forgiven. Make sure you use someone very knowledgeable in the process.
If you contact me offline, I can put you in touch with some specialists in this area. Gail@GailGladstone.com
I am a full service Realtor in Schenectady County and if you would like to contact me direct please do so.
Miranda Real Estate Group, Inc.