[sadandconfused]

I refinanced once to get a better rate, but did not take any money out. I have about 20k in my 401k and took out a 401k loans of 20k, so I can't take anymore out except for hardship withdrawal and that has its restrictions one being it must be foreclosure, but I don't want to take that out, I'd rather let them foreclosed. I have two credit cards in collections so and have no money in my savings, so If they don't approve me for the short sale I will just walk away. I will have my house listed within the month and starting this month I will not make another payment even though I was making payments on a reduced payment plan. Personally I don't think Obama's plan will help that many people like he thinks because the banks are not cooperating. My credit score is down in the 500's because I was late on the payments previously and the credit cards. My main concern is the deficiency judgements and I don't want them to do a wage garnishment.