Where did it start?

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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