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Why Pay the Mortgage or Rent when you can have 16 Months of Free Shelter?  How to Deal with this Important Question - Michael Shedlock - Those deeply underwater on their homes have a nice option that renters and those with equity in their homes don't. That option is to stop making home payments, effectively living in their home or condo scotfree, for as long as they can.  Millions have take the option, and with each person doing so, the longer the delays. Thus, the more who take that option, the greater the reward for all who do.  The Wall Street Journal reports that it takes 492 Days From Default to Foreclosure, up from 244 days in August 2007. - MISH'S Global Economic Trend Analysis

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