The problem is you were cavalier about the whole thing so they got punitive on you. Had you been more remorseful you could likely have been successful.
One thing I would add to anyone doing a short sale is not to expect the lender to act rationally or in their best interests. They constantly do quite the opposite. There are so many variables to getting one done properly and it truly depends upon the skill of the agent representing you and more importantly their level of experience. I have closed a couple dozen and get better each time. Beware of so-called short sale experts out there. Every time I see one advertising as such I check out their closed sales and without exception they are all highyly inflated.
