Yes, it is painful, it is headache, but if there is only choice of foreclosure left, then folks are enjoying it. No one can blame them. They got out of this miserable situation for which they can’t be blamed alone. To them heck with loan modification, lengthy phone calls to lenders all day and sending unending faxes to all those fax machines and talking endless to half trained people over the phone whose only tactics were rudeness, arrogance and collections. Let us enjoy reading this article from NY Times.