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Herman
What do you need help with? You can either make the payments, let it foreclose or refinance. He is giving the option to foreclose voluntarily, which is easier on your credit.
Stacy
Sounds like you signed documents that you don’t understand. Seek legal advice.
Martha
Speak to a lawyer as your question does not really make any sense. But this sounds like an increasingly common scam. Do not do anything without speaking to a lawyer.