[ChocChipCookie]

I used the money I accumulated from not paying the mortgage to pay off all my credit-card debt and clean up all my other debt -- except for the house.

This is the only mention of where money went and it wasn't the 54K. It was the money that should have gone toward house payments.

[kcvl]

She says that she stopped paying her mortgage in Sept 2008 and hopes to be out of the house by the summer (of 2010). That is 2 years of not paying her mortgage.