I think the above article is from the lenders. They're trying to suck your last drop of blood.
We were underwater since Nov, 2008 and have been borrowed money from family members to keep up with the mortgage payments. Until late March 2009, we know can no longer borrow more $ and we called our servicer (
CW) and asked for help, they don't even want to talk to us. The first reps said, "you're not behind so there is nothing we can do". What the heck! They forced us to walk away!!!! They are the ones who ruin the economy.