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I will add to KC's advice above. Yes, you are in an ugly predicament right now. But whatever you do, do not go seeking the help of these companies, charities, or law firms that claim they can "cancel" your mortgage or timeshare. They are usually scams. At best, they are just going to lead you into defaulting (one of the options KC mentioned above) and you don't need to hire a law firm to "help" you do that.