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Step #1 is contacting a Realtor in your area. They have access to comps around your home and they can help you determine what the value of your home. You need a professional to give you some advice. A short sale would be better for you than foreclosure if you have no equity in your home. Consider contacting a Reatlor.
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For Sale: $149,900
For Sale: $84,900
For Sale: $159,900