My wife divorced me, taking 60% of the household income with her. I was unable to pay my mortgage. Ironically, this is the perfect time to for foreclosure. Foreclosures were happening everywhere. I was still very scared. You feel like a failure having to let your house go. I worked at being ok with this by rationalizing it. I explain to people that in the future when I have to defend my credit, I will refer to my foreclosure to the economic crisis of 2008. I begin to feel more comfortable and realize I have no choice. It took a while for the formal foreclosure process to start.
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