I've posted here long ago....and sadly my story is unchanged. Its been almost 4 years, if not over 4 years since i walked away from my house/mortgage in MA. Till this day, I call Bank of America once a week and tell them directly that I have no other intent other than to let this foreclose and for them to speed this up. The house has been vcant for 4 years, they have long ago changed the locks and put on their own insurance. Every other week i get a letter in the mail still asking if i want help. I constantly call them saying opt out of everything, please foreclose.
So my new question is this. Since walking away (my credit ruined) i've married, and have my first child on the way. To this day me and my wife havent done a joint bank account in fear they will attack all the money (we make almost 200k combined). We have a house (in her name)...everything is in her name prior to marriage. What can i do so we can move on with life without worrying anyone will come after our money saved? We are sick of having 2 bank accounts and everything. I can never seem to find or talk to a lawyer that has anything to tell me except just wait and dont do anything. its been 4 years! Last statement i got in the mail said i owed about 70k in payments. Yea its been that long!