Ok, an hour on the phone talking to 3 different people at the mortgage company and getting transferred and then finally disconnected. Guess I could call back Monday... I did find out that my name is on the deed and not the note they say, so I think just H is responsible for the foreclosure/debt according to the woman from the co. Should I still be trying to assume the loan at a lowered payment or just give up and go with a rental? I have zero experience with this kind of stuff so curious what you think... Karen