I posted my story before but we were approved for short sale however after 7 months we realized it would not happen as appraisal was too high and we would never get an offer that high. Bank would not budge.
So then they told us to try deed in lieu. I was working with an woman on that from Cartus Asset Recovery. Very nice but just found out we are not eligible due to the extensive water damage and gutting of several rooms of house...whole reason we got into the mess in the beginning.
So now what? If foreclosure is the only thing left then I am in a hell of a mess because I work in a financial tech job where you cannot have any foreclosures on your record.