So here goes.long story short. Three years ago now I have stopped making payments after we found fraud and another member of our group file for bankruptcy on a 1M house that was done as an investment/second home property  (we were going to use it for a few years and then sell it)..

We have brought a short sale to the table (now PNC was NCB) offer two times which was approved by the first then denied by the second.  Now the third time the second approved but the first denied with no counters.  We added an additional 30K to the offer and again the first denied with NO COUNTER.  We have a lawyer involved and we just threatened the bank, and finally the foreclosure lawyer said that "he wants no part of a legal battle."  That was almost 2 weeks ago and still nothing.  So now I just got a 4th offer with more money and again we will add an additional 30K.  Right now I'm not going to go through the crap of getting all our financials together again and doing this when they won't even come to the table.  We have some real discrepencies in our loan that was uncovered through both a loan auditor and a retro appraiser. lots of behind the scenes legal stuff.  So far our legal fees are about 15K and we haven't even gone after the bank yet.  At this point we don't have another option since this investor won't even come to the table. 

HELP PLEASE. We are not some rich folk, it's a long story as to how we got here. But here we are now and I desperately need out of this.   We have done everything to show good faith. the house is in mint condition, well cared for, HOA fee's paid, insurance, if it breaks we fix it...

I could go on and on but there it is in a nutshell.