It is the worst of all years for homeowners;13 million face foreclosure and millions more are underwater, owing more than their homes are worth.Investigative guy John Mattes has met a man who says he has an answer for homeowners. Jon Maddux says screw the bank , just stop paying and live rent free then walk away.

His company offers advice on strategic defaults .Maddux says homeowners should stop feeling guilty about not paying and look at the process as a business decision.

He says save the money you would pay in mortgage payments then just walk.. Meanwhile his firm has made him hated by bankers..

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