Short Sale Keyword Contest

In  our effort to help people who are seriously in trouble with their mortgages, we are looking for search terms that they might use to find my Short Sale website.  If you are, or know someone who might be, in this situation, what would you (or they) search for on the internet to get help?  If you don't know anyone like that, imagine yourself in this situation and think of what you would look for to get out of it.  Here's the situation

1. Mortgage is 95% or more of the market price of the house.
2. The mortgage company may be sending intimidating letters/phone calls.
3. Looking to the future, the likelihood of catching up and/or continuing the current mortgage payments is low - due to some significant financial change.
4. For some reason, possibly loss of job (causing the financial change above) or bad credit or legal status, refinancing is not an option.
5. In summary: if the house is not sold, foreclosure or bankruptcy is likely; if it is sold, the price will not cover the mortgage and sale costs (commission, fees, etc.) - which could mean writing a big check to get out of the house.

If you put yourself in this situation, what words or phrases would you put into your search engine (whether it be Google, MSN, Ask Jeeves, or any of the hundreds of others) to get ideas for you, or your friend who has asked for your help?  Please leave me comments, either here or on my Short Sale Blog, and maybe win a dinner on me!

Adriana