esmith, it’s pretty obvious that you’re not a landlord. The process is much more onerous than you might think. Some renters have the process pat down and know how to milk the system for many months.

I not suggesting not paying the rent…. I’m saying that in foreclosure situations, the negative repercussions to the renter are almost nil.

Although I know that they are two separate issues, I personally don’t see anything wrong with a tenant not paying rent when the landlord is not paying the mortgage. Once the NOD is filed, the landlord has exhausted all his funds and is practically gone.