Hi all Washington Walker here. Well Kind of...I currently have a house in the Kent area and I have recently relocated to Texas. I decided last month to make the last payment but my situation is a little tricky. I am not underwater at all I owe 247K on 1 mortgage and the realtors told me they would put it up for 310 to start which after all fees would net me about 40K. Not bad, BUT...I have a renter currently whose lease expires in March of next year. Here is my thoughts Stall foreclosure as long as possible by playing the HAMP game and whatever other types of games I can play while I collect the rent money...Then do a traditional sale of the house next year around this same time as this will obviously override any foreclosure actions taking place and subsequently pay the loan off. Once that is all said an done I will file a BK 7 and start at square one here in Texas. The question that I have is... What is the current timeline of foreclosures running? I have seen if I don't respond or do anything it is about 11 months...But, Is it possible through playing the HAMP game and other games to run that out for about 15-16 months? or is that completely unreasonable? I am prepared to do a chapter 13 if necessary as i know that will stall it out a little bit and buy me more time but ideally I would like to do a 7 once its all said and done and at the same time not screw the renters over either...any advice?