I read about a new term today "jingle mail." It means putting your house keys in an envelope and dropping them off at the mortgage company. It's hard to imagine a worse situation than someone who has put all their money and time and dreams into their home, and then has to walk away because they can't make the payments and have no more equity to borrow against. It's even sadder when you consider that many of these people lived on what they were able to borrow against their homes. Now that their extra "income" has dried up, the next defaulting will be on credit cards, car loans, department store credit accounts. People will end up walking away from it all, especially since the cushion of bankruptcy was taken away by corporate donations given to Republicans to make sure that cushion was ripped to shreds.