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As we're discussing, many homeowners who realize that they'll no longer be able to afford their mortgages are simply abandoning their homes....some lenders have recieved keys in the mail; it kind of reminds me of how you'd cut it up a credit card and mail it back to Visa....According to Foreclosurefish.com, this is a bad way to handle it because they'll still proceed with the foreclosure proceedings which will affect your credit negatively...