Hi I had 3 lots that I bought between 2005 - 2007 in FL. Needless to say all of them are way underwater. I stopped making payments on them about 4 years ago. I also noticed that 2 of the 3 lots have already been sold by Wells Fargo and they sent me a 1099C this year. They have currently filed a lawsuit against me in the state of WA (where I now reside) for trying to claim on the note against the 2 lots they have sold. We have previously tried very aggressively to sell the lots and had offered several short sale contracts to Wells Fargo for these lots, but nothing came out of it. What are my options? The lawsuit is going in front of a judge in May and they may ask for a summary judgment. Should I try to settle with them? Not sure if this is going to work since we have already tried earlier. I do not want to declare bankruptcy as I am afraid about the long term impact this may have not just on my credit, but on my day to day and professional career life. Need advice and help. Thanks.