<prompt> Human: Ive been reluctant to write this because Im in a hole of my own making. But I do value this community as a resource and those that contribute their experience and insight, so I thought Id give it a shot. Ive been carrying a second mortgage for a home I no longer live in for roughly 5 years now. The house has been unoccupied because its not worth what I owe on it; I have no desire to be a landlord; and I purchased my current home within a budget that would allow me to carry both mortgages if necessary. But now my financial picture has changed and I need out from under it. But things have gone from bad to worse as while the house was unoccupied a pipe burst in a wall and now the entire house is a giant mold spore. So I have even less chance of selling it, but even worse if I looked at some form of foreclosure option Im worried Id end up getting sued by the lender. Im basically financially illiterate and Im really at a loss at how to proceed. Anyone got any advice?TL;DR: paying a mortgage for a house that should be condemned and I need out - please help.  <response>: They would almost certainly sue you for the difference if a foreclosure sale cant cover what you owe. There really is no easy way out of this debt. 