Dallas foreclosures are up 30% from a year ago, breaking the record for the region. Homeowners trying to renegotiate their mortgages to get a lower monthly payment will likely encounter a puzzle: the mortgage company has no interest in making a deal. Why? Because the company that services the mortgage doesn’t own it and actually makes more money if the homeowner is delinquent. The system is rigged, says one law professor, and that leaves the homeowner with only one option: walk away.