Why I've been snappy lately...

Sorry to hear of your situation, Rat rod. The earlier advice regarding Filing bankruptcy is true. I know it sucks to file, but the house will be frozen, and will force the lender to hold off. I helped a client last year with the same issue, and it has been 14 months she has been in the house, not making a payment. That allowed her to recover, and move on. Good luck, if you need any help with mortgage or title questions, just pm me.