court and sue you for the mortgage balance -- for the money that you owe the government. government backs the loans. fannie mae says, look, walking away is bad for borrowers and bad for communities. they say you have to prove that you are trying to work this out with your lender. either through a loan modification, through a short sale, or through a deed in lieu of foreclosure. it is still going to hit your credit. but it's not going to hit your credit like walking away will. i mean that's going to destroy your credit for a period of years. and fannie mae says they're going to lock you out. >> but you'll be able to eat and things like that. >> that's true. and some people are saying, you know, why am i paying all this money? there are web sites can you go to that are incredibly popular where they will coach you on how to walk away and live in the house for eight months and keep rebuild your cash flow, not pay the bank or if you have a condo that you're rending out to someone else, keep collecting the rent but don't pay the bank