It would be pretty cool if Charlie loses his temper and screams OFF WITH THEIR HEADS.
In 2008 many people could not pay their mortgage. It took the banks approx 5 years to get everyone out of their homes. If you have a mortgage it looks like you will get many years of free living. Max credit cards in two weeks. Jubilee incoming.
The banks will be in such chaos and underwater that won't be enough money or legal teams to kick anyone off the property. Ignore all the letters. Is this ethical? Since your tax dollars just made JP a ton of money I say have fun. In some states your home cannot be touched in bankruptcy. So eviction and foreclosure is the only answer for the banks.