Perhaps you should both get moved into apartments with signed leases, make sure your cars work, and then declare bankruptcy and let the bank foreclose on the house.
Actually, we're strongly considering that.
Well, it is definitely worth thinking about. And these days, it is far from uncommon. Something to think about as a bargaining chip -- you could do the bankruptcy and let her stay out of it and thereby preserve her credit rating. This wouldn't really hurt you anymore than a joint bankruptcy and could give you some real bargaining power.
But, do get the leases on the apartments first, lol.
