No, look into a D.I.L.F.
It can really save your credit score.
Basically it's a way of selling your house to the lender rather than them taking it by force.
They will do a title search (which you pay for) to ensure no one else has a lien on it, and they will do an appraisal (which you pay for) to make sure it's worth at least what you owe, and they can decline you for either of those reasons if they don't like what they see, but it will make you much better off in the end.
You still lose the house, but your credit score won't change radically the way it will if you file bankruptcy.
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