Quote from Roark:
I think I would move and try to make a new start of it somewhere else. Head for an area where the economy is stronger, say either Texas or Washington, DC and try to start clean. Living like a mole in your foreclosed home is a bit like hanging onto a loser stock trying to get back to even. Jettison the losers and it frees ones mind to start thinking about new future opportunities rather than past losses.
Many of these people may not have the means to move.