In my opinion, you are the prime example of whom this article is discussing.<p>In my view, the bank will still profit off of your loan.  If market value is about equal to what you owe, but it could only be reasonably sold for $20k but you have paid $45k in interest thus far, they still profit $25k from your loan.  I have a hard time seeing where the bank could be morally right in damaging your credit for walking away...