[cuban leaf]

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

[HiTech RedNeck]

If one is willing to bum, other options open up. Nobody asked if they were dignified.

[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.