So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do. 
