I'm sorry nobody can answer right now...

This is priceless:

Byrd, loss-mitigation team leader at Quantum Servicing, says they put out about eight to 10 calls on average to each delinquent borrower, and as many as 50 calls if they are having trouble reaching a borrower. To get more of their calls returned, the company recently began offering Starbucks Coffee gift cards and prepaid cell phones with 30 days of service, as lures to speak with one of its representatives. Many of those who answer the phone will hang up, or say the borrower is busy or not at home, Byrd says. Borrowers, she says, are afraid of speaking to debt collectors for fear they will lose their home. "

This is what it's come down to. Homedebtors being bribed with Starbucks to answer their phone. Yikes.

But but but but real estate only goes up. Renting is throwing your money out the window. You get all those great tax breaks. How's that tax break treating you now Mr. and Mrs. Up to Your Eyeballs in Debt America? How's that Hummer driving? You know the Hummer your bought with the equity you thought you had in your house? How's that 80" Plasma looking these days? Was it worth $6K that you will never be able to pay back?

So you are afraid of losing "YOUR" home? Newsflash morons. It is not your home. It never was your home. It is the lender's home. You are merely house sitting. Once you can't make the payment you are out on your asses. Until your mortgage balance is $0 you own nothing. I guess your brilliant mortgage broker forgot to tell you about this part of the real estate biz huh?

So stop being such little babies already. Own up to the fact you never should have lived there in the first place. Just accept the foreclosure and move on with your life. The sooner you do it the better. It's like taking a band-aid off. Why torture yourself bit by bit? Just rip the damn thing off and be done with it. You know very well there is no avoiding this. Unless you win the lottery or by some miracle your salary triples overnight, you cannot afford that house. It's over. Les Jeux Sont Finis.

When I buy your house from the lender at a 40% discount I'll be sure to thank you, I promise.