I really need to stop mowing my lawn in The Bonfire July 21, 2008 Three things: 1. Call the landlord NOW. Find out how much the mortgage is in arrears and how much the monthly payments are. Plan B: IF... the payments are reasonable that the landlord is making... as in you could pay these payments if you were paying them, then offer to assume the landlord's mortgage in exchange for all his equity and voiding of the lease contract. You will need to call a lawyer in and also the mortgage company, and you will have to be put on to the mortgage, as the deed to the house will also need to be taken off the landlord's name. The benefit? The landlord's credit rating won't take a huge nosedive and he/she can avoid filing BK to try to save the house. In exchange, you get a house at a cheaper price than the landlord is paying presently, and the landlord can recognize a loss on the property at sale time. Plan C If the landlord won't budge, then you could try to get the house yourself when it goes up for Sherrff's sale. The housing market sucks, and banks are taking losses left and right because they're liquidating houses while prices are depressed, and depressing prices even further because of it. You can do this without moving out of the house in almost all cases. Plan D - Bail In your next rental, demand to see a copy of the last mortgage statement from the landlord before signing your lease. I had to do this for the rowhouse I live in now. If the landlord won't show you the mortgage statement--then he's falling behind on the mortgage. Politely tell him that in exchange for checking your credit and references, the least he should do is prove to you that he's fiscally responsible in maintaining the property and not putting you in jeapordy of eviction beyond your control because of irresponsibility. If the landlord still refuses, then walk away. No landlord or property manager is going to NOT show you some sort of proof that they are financially solvent before you assume a lease, especially for leases on houses above $2,000 a month and for corporate leases... and for private homeowners, you can just politely ask to review his mortgage payments he's made while you are present looking at the home. ____________________________________________________________ I'm RICK JAMES! Fo shizzle.