hi everyone - we are in the beginning stages of the banks game of foreclosure. i call it a game because i don't see how we're ever going to be able to save ourselves at this point - my husband is unemployed & there is no way we can make the house payment (even if they'd modify our loan) & other bills on his unemployment benefits & my income. has anyone here gotten all the way thru this yet? how long did it take? the bank says the last option is "deed-in-lieu-of-foreclosure".... has anyone had this happen? what were the ramifications to your credit scores? is it REALLY better to go along with their steps cause i really want to cut & run....

thanks!