Hi Carol. Who is on the mortgage if you are not? I believe that any lien, judgement, or mortgage that is placed on the home (which you own) is your responsibility. I would check with an attorney on this to make sure. I have several real estate attorneys that I can refer to you. I am a real estate investor in the area and I specialize in helping homeowners avoid foreclosure. I would love to talk to you further to find out an answer for you and to determine what will work best for you, whether you can modify your loan, or if you are looking to sell the house. I negotiate with lenders and pay cash for homes in Chester County. Please call me at 866-3BUYER3. My name is Nicole. Good luck!