Many divorce clients are looking for ways to restructure their finances so that they can move on with their lives with a clean financial slate. In this economy, that is tough going. From what I have seen, loan modification applications get “lost” more than is statistically appropriate and there is little chance of being forgiven or renegotiating just about anything when it comes to banks. 
In other words, “Bank Wins” is the norm. I could not have expressed what is going on in the world of bank loan remodifications better than the following article. See the link below for a great article to read in case you are thinking about a divorce which is based, in part, on some type of refinance/loan modification on your upside-down residence:
Why You Should Not Expect Your Bank to Voluntarily Rewrite Your Loan
January 4, 2012
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Fairfax VA Divorce Mediator 