I know i posted this information - i'm trying to say it took no detective work to find me as I'm not trying to hide anything. If I was I certainly wouldn't have chosen this username. Again - I came to this sub because I was summoned - you don't have to agree with what I say - but I will say this. I 100% am looking out for the borrowers best interest. I realize you and most here wont' believe that - don't care - but it's the truth. If i thought you were a good candidate for bankruptcy, I'd of suggested that for example. But I really think that based on your limited information you provided that you'd regret just "walking away" in the long run. Again - just my two cents and clearly you don't have to and won't agree with me - but just because you don't and just because I work in the industry don't assume my opinion is one sided. I'm not trying to scare you - i'm telling you what can happen - because that's what you asked. Nobody here has told you otherwise. Actually if you want advice on this topic you can be more assured is neutral - try /r/legaladvice