When the banks sends a real estate agent to your door offering you money in return for the house keys.
Ask the real estate agent to ask the bank to provide proof that they actually own the house. Most banks have loss or thrown away records. This should give you another 8 months rent free or a larger counter offer “cash for keys”!
This is not legal advice but unethical persuasion. I love this country. Everyday it just keeps getting better!
