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What’s it called when you basically stop mortgage payments and give your house back to the bank?

Friday, March 25th, 2011
Rose Arizona asked:


We have a mortgage, loaned from the bank, and we’re considering just giving it back, because we can no longer make the payments. What’s the official term for that?
I guess I know it’s called foreclosure, but I thought that was only if it was initiated by the bank, and not the loanee.
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