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they are fulfilling their contract. You sign a contract that states you are going to pay your mortgage to completion, and if at some point you are no longer able to pay, the bank gets the original asset (the house) back and can sell it as they fit. it hurt property values, in Vegas, who knows. They be about as low as they can go. The banks did a fair amount of unethical shit themselves, and I'm not going to cry for them. If I was holding a piece of property that was k underwater, I'd be tempted to look into a strategic default. The real test for these folks, and what decided if they are good people or dumbasses be if, after the bankruptcy is over and they are back on their feet, if they start to live high on the hog again. If they do, that would show them to be unethical. horney girls Sandia Park New MexicoChapter 13 is a re-organization, takes 3 5 years normally and you wind up working out a plan to pay back your creditors. Normally used if you are getting behind in payments on secured debt. Chapter 7 is used to discharge unsecured debt and or not allow you to keep certain assets (house, car, etc.) There's a lot more involved than just filing and telling the creditors to kiss off. Get a real bankruptcy attorney, one in you area with good recommendations, for answers and to make sure it's done right. It worked for me but every situation is different; wrecked my credit score but that was going that way anyway and it got me back on my feet. live video chat
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