You borrowed more money than you knew your house was worth. You stopped making your mortgage payments 5 months ago and are living rent free. When I ask you for the paperwork your bank requires so I CAN SAVE YOU FROM FORECLOSURE AND GETTING KICKED OUT OF YOUR HOUSE, you are too busy. When potential buyers want to see your house, it is not convenient or when I show your home, it looks like a bomb went off. You are going to wind up on the street with ruined credit and will tell everyone you are a “victim” of the system. Sorry–I don’t feel sorry for you.