If she is advising a deed in lieu she is being irresponsible not to also mention this will have as negative effect on your credit as a forclosure
An author, I forgot the name, was attending a Royal function in England. He asked on of the Ladies in attendance “Would you sleep with me for $1 million?”. She giggled and replied “Why, of course.”. He then asked “Would you sleep with me for $20?”. She very indignantly replied “Of course not! What kind of lady do you think I am?”. His repsonse was “Madam, we have already established what kind of lady you are, we are just haggling over price.”.
In the end, integrity, your word, is all you have. To walk away from an obligation you are capable of paying says exactly what kind of integrity you have.
CC