And today I walked away from it all. I've moved out, left the keys and appliance manuals, turned off the power, and called the mortgage companies to tell them they better hurry up and insure the property and change the locks, because I've abandoned it. Oh, and I'm declaring bankruptcy for protection (partially due to the mounting medical bills, but mostly due to the mortgages).

Of the $70,000 paid to my mortgage companies in the last 6 years, only $2,000 went toward principal. The other $68,000 went toward interest. I don't feel one ounce of guilt.

There's no need to feel guilt ... I'm the victim. If guilt is holding you back from leaving an unfair mortgage situation, I urge you to look at how much you've already paid your mortgage company, toss the guilt aside and free yourself.

A huge weight has been lifted off my shoulders today.

Peace.

Sven