A short sale, also known as a pre-foreclosure sale, is when you sell your home for less than the balance remaining on your mortgage. If your mortgage company agrees to a short sale, you can sell your home and pay off all (or a portion of) your mortgage balance with the proceeds. Depending on your situation, you may be required to make a financial contribution to receive a short sale.
People should not be blamed for their severe depression. Their depression is an illness, and not a punishment for sinful behavior or a lack of religious faith. Even without treatment, severe depression is usually time-limited, and in a few months totally recovers.
Without treatment, some people may have depression for months, or even years. Major depression (sometimes called clinical depression) lasts for at least two weeks, and will often continue for four to nine months if not treated. Dysthymia is a chronic state of depression that lasts for at least two years.