That is a legal question. I am not an attorney and can't give legal advice.
However, you can keep foreclosure off your credit, if you do a short sale. We will negotiate with the bank to try to get you off the hook for the deficiency. Our short sale services are FREE for homeowners. Feel free to give us a call, and we can explain the process.
Eli Givoni, Director
Short Sale Department, LLC
MARS Disclosure for General Commercial Communications
Short Sale Department, LLC is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.