I just took a class and recieved a designation called Certified Distressed Property Expert. I have completed short sales prior to this class, but now my eyes are wide open. What is a bit scary is that there are unscrupulous investors trying to take advantage of homeowners in trouble. They are actually getting these people to sign over their deed to them or making them sign a power of attorney. This is not a good idea at all! If you need help call a qualified agent like me to help you with your situation. Ideally a short sale would be your best option if you qualify for it. However, there are many options available for homeowners in toruble.