Joe: Short answer: You got rooked*, from the sound of it. You have three choices. One: sue the b***ards, Two: Fix the problems, three: dump the house. Seems like youâ€™re doing #1 but getting nowhere. Hard to find corporations once they are no longer active. Since they â€œpass the buck,â€ sue them all. Problem: they all could be â€œjudgment proof.â€ (Have not a dime of findable assets to get the court to award you.)
Fix the problems. Problem here is that it costs $$$ and you may not have it and it may be more $$$ than the property is worth.
Three: dump the place, which is where I think youâ€™ve gotten to. Sell it? You have to disclose the defects or you will be a target for suit yourself and will find most Realtors honest enough not to want to join in shenanigans. Unfortunately, there is no directory for those who might be more â€œflexibleâ€, shall we say?
Idea: Let the mortgage people have it back. It will cost you renting for a while but there are few mortgages available now at reasonable terms. (Unless your motherâ€™s name is Mary and you walk onâ€¦ well, you get it.) You will eventually work through the credit situation, especially if you document your issues and attempts to settle them. You may have to shop for a mortgage provider, though. Itâ€™s a crap shoot, to be sure.
* â€œRookedâ€ is polite for another word.