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I got out of mine (it was paid off) by not paying the maintenance fee (by accident). My bank changed hands and the fee was coming out of my old debit card and not thinking about changing it because it was a completely useless burden on me. After they finally got a hold of me (I had been working overseas) and some choice expletives they offered me a quit claim. I don't think it would work if it's not paid off they are like a dog on the bone and will not foreclose because they know they are worthless.