Voluntary surrender of a house?

The balance on your car loan is quite high, how is the vehicle financed? If you have it on lease hire you could be in a good position to return it under the half rule.
I think the car is your biggest monthly outgoing after the mortgages so if you have the car on this kind of finance whereby you can return the vehicle with no penalty to you or your credit rating by doing so would help.

Hey, I just wanted to give you my best wishes, it may not seem it now, but you will get out of this. I'm in a slightly similar situation to you, so I understand what you're going through, the sleepless nights, the constant niggling worry. Unless you're in it, you don't understand it, so don't judge people! Whatever you decide to do, stay strong and be happy. You can only do your best.