Sasha: Are you living in your property? Is this your primary residence? As the previous agent mentioned, there are many possibilities. A short sale, bankruptcy, a deed in lieu of foreclosure, a foreclosure, etc. I will be happy to offer you my free advice after learning a little bit more about your misfortunes. Where is your home located? Are there many foreclosures in your area? All these questions need to be answered. I will be happy to give you my free advice.You can call me at 619-392-4344.