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I spoke with our bank and they agreed to a foreclosure, but my payments have to be 31 days delinquent. I am not a lawyer, but it is my understanding that if your mortgage is incorporated in the bankruptcy and the property is surrendered, the debt is totally wiped out. It is now worth considerably much less than what I paid for it. I would like to let it go into foreclosure. Can compete with similar product or sales businesses. Based on experience (and just to be on the safe side), I would print the tax return, the reference quantity, the bank confirmation for the receipt of the payment guidelines and the actual payment confirmation.
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