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Mortgage shortfall after 12 years

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  • Thank you very much  :)
  • If the debt is  unaffordable and your circumstances are unlikely to change in the near future I would stop paying.  They cannot do anything beyond what is already been done.   

     How old are you and what are your current circumstances?  Presumably you are now private  renting and work? Honestly if you are struggling I would just stop making payments.  
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