it seems off topic so I’ll keep my coment brief:

if you are thinking about defaulting on your mortgage, ask yourself the following questions-

Where will I live next? at what cost and how will the default affect my ability to rent in a nice/safe area? (remember total cost apartment rent plus storage unit rented for all your extra stuff)

How will the default affect my job prospects? know that it will prevent you from working in banking or finance even as a lowly collector. It will also affect your ability to be bonded or get a security clearance.