The people you are trying to help are angry, frustrated, ashamed and humiliated, most will still be decent when contacted by you and this will be the norm but this home was once a step toward their dreams and all was well with the world back then. 

I currently have ZERO real estate experience (Sales Engineer for my day job), but have been toying with the idea of eliminating my $900+/mo apartment rent expense and purchasing a duplex to live in half and rent out the other half.After some quick research this seems like no-brainer and I am almost ashamed that I didn't think of this sooner.

It effectively sends the property back to the lender and makes the auction seem like a sham.

It seems a shame that we can have people go and risk their life come back and want to buy a home and get ripped off by unethical people in the industry.

It's a shame, since it seems like renters use CL the most.

The only "proof" I have regarding the damages is what the movers might recall, and would they even be willing to get involved in someone elses situation which is really just a pain in THEIR butt and not their problem.I was very ashamed and embarrassed to have left the landlord ANY damages, and was HAPPY to pay, as I do not want landlords to think that everyone who damages their property does not feel they should be held accountable.I absolutely am accountable, and am so sorry that this even happened, but now it's like I'm being taken advantage of, and I don't know why ANYONE OR JUDGE would beleive me, that yes my daughter DID do some damages BUT NOT others, it will just look like I am trying not to pay all that I should.

It would be a shame to go from being almost paid off to being underwater. 

It's a shame some make excuses, delay and screw things up for the parties rather than just saying "No thanks" early on.

It would be a shame if these companies went under all because of over leverage.  

It's worth doing...So many stories like this, it's a shame.