You apparently missed out on the 100% of "expert" financial advice programs and government press releases that insisted housing values would never go down. You apparently did not notice that national bankruptcy laws were made super-strict just prior to the housing crash.
No I did not miss out on that,Since when is it a good idea to overlook good common sense in favor of “expert’s advice”? The saying a “fool and their money are soon departed” fits well here....I was for the bankruptcy law changes it was time that those who has no sense be made to pay for their mistakes.