letter explaining exactly what their hardship is. >> i spent too much time and energy creating this beautiful hardship letters to really try to give a personal element to have the bank look at my client as a person and family, and i don't think they ever read it. >> they couldn't keep their home, so the alternative was stay there until you are foreclosed auto or try to short sell. >> have you to list the property with a realtor. and get an offer for a purchase. then we approach the servicer or the lender to get approval. that's when you are handing over once again all of those financials. >> even if you do get approved, there are still potential problems. the mortgage impact of 2007 allowed people to excloud from their taxes the forgiveness of debt due to the decline in the home's value or the taxpayers' financial condition. >> that's only for primary residence, mortgage mortgages, or seconds that were used to improvements for the home. the income tax is forgiven.