I walked away from my last house. After a 3 year battle with the mortgage servicing company. I did get a 1099 from the mortgage company the next year, but I was not required to pay them anything. I had filed BK to stop my foreclosure, that is the only reason. I don't know how that changed with the new BK laws that went in to affect last year. But after 3 years, and attorneys, I just decided that this was a battle I was weary of fighting.