[Quality_Not_Quantity]

My sister bought just before the crash and stopped making payments immediately. Has not made a payment since and STILL lives there.

Then your sister is a thief. She entered into a contract with the lender and is obligated to abide by the terms of the mortgage.

Poor timing is no valid reason to quit making payments.

[cuban leaf]

Then your sister is a thief. She entered into a contract with the lender and is obligated to abide by the terms of the mortgage.

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Actually, the contract gave her the option of either making the payments or giving the property back. She and the bank have been negotiating ever since. It’s all legal.

She’s just playing their game.