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Your credit must have taken a major hit...5 years of delinquent mortgage payment.

I know there are all these crazy loopholes out there, but this almost sounds like mortgage fraud.
It probably did as a result - but the fact is - credit is really only used for borrowing purposes.  If he has no plans to borrow again then this is a win-win situation.  The debt-free lifestyle is way better than having perfect credit with a ton of debt.  

 
I wonder what @mudpuppy would think of this plan...

shoulda done what i did. (also bought a home in 2009 at roughly same price, $270k) just go delinquent while saving money and pay off the house in a short payoff prior to foreclosure. If it is your homestead, that'll take 4-5 years.

yes, yes, some people will claim this is 'unethical' but the ceo bankers weren't doing anyone favors by taking in millions in bonuses while their company took in tax-payer bailout money.

 
How did this turn into a salary discussion?  LOL.  Start ya bit'ness and charge what you  want for the work needed. Supply and demand

 
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