The US ended 2009 with enormous housing problems, including 25% of all US mortgageholders owing more than the house is worth, and 50% of mortgageholders expected to be underwater by 2011. And RealtyTrac projects up to 3.5 Million foreclosures in 2010.
Homeowners are starting to act like banks and "strategic default" aka "walking away" from a mortgage is becoming more frequent.
The phenomenon
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