Gary Dourdan filed Chapter 11 bankruptcy.
You may think his would be a unique case, but, a little internet research shows similarities with many of my clients.
Bought too much house when times were good. $5,000 per month payments back in 2004 when he was riding high.
Then, his income went down. His mortgage company did not work with him. No surprise there.
There has never been a way to force a mortgage company to modify a mortgage. No leverage for the consumer.
His Wikipedia entry discloses other problems common to many who file bankruptcy.