Do you know how deed in lieu of foreclosure looks credit wise? That apparently is an option.
I should be able to get a charge off bankruptcy in that I have no assets (once house is gone) and my income only covers bare essentials of raising 3 kids (no child support, oldest childrens' dad serving a life sentence) and I have just under $5000 in charged off credit debts -(which I had hoped sale of house would wipe out.)
I just want to start fresh and start moving forward.