 They just don't do it very often. And so if you can't negotiate a short sale or a deed in lieu, a deed instead of a foreclosure, then you're going to get foreclosed on. And now this $242,000 loan will have been run up with foreclosure fees and 10 months of back payments to about $310,000. They're going to sell this house for $200,000, and they're going to sue him for $110,000 deficit.