I can understand your pain , I know you think your property wont sell but you should try anyway and list it with a realtor as a short sale and it will delay the sale. B of A has a program called a cooperative short sale program and if your home sells through the program they could give you up to $20,000 for moving expenses and to get you on your feet ( prehaps with an apartment ) also they will not pursue the deficiency balance on your loan meaning the difference of what you owe on the loan and what it sold for. I know of someone this worked for , his house sold and the bank cut him a check for around $9000, I hope this can maybe help, call the bank and ask about the program you have nothing to loose.