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After gathering information, documenting your situation and seeking professional advice, if your reality is the fact , a "deal" isn't possible and residence must be sold, use the lender to come up with a approach to keep property from going all method to realestate. There are options like a Deed in lieu of Foreclosure, a short sale other people. None are particularly pretty, but they are a damn sight better than getting an "F" - for "Foreclosure" - dealing with your credit paper.
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