Tinky Tonk, I just meant in general terms banks profile people and think if there is an opportunity for money to be got from relatives whether living or deceased they factor it in as a possibility.
I'm probably not the best person for you to get advice from..all I know is my own situation...I voluntarily sold (was only 700€ in arrears when instructed to sell my investment house) bank discussions on being realistic and reasonable and writing off part of the outstanding debt all vanished when house was sold-they came looking for All of it, and the next natural step for them was to seek judgement in the High Court. Whatever you do - don't let them break you. But also you have to live a life. I've spent last few weeks up til early hours writing affidavits and driving up and down to Dublin like a yoyo getting advice..I'm exhausted but I'm not giving up. I played fair and then bank did not, my particular case may not be cut and dried yet but I will keep going. My advice to you is to get more advice from someone more knowledgeable here or go and meet someone to discuss. Banks want their money, if they get a judgement they get a certain amount of 'refund' on their tax liability and also their insurance pays out (so I'm told). Good Luck and don't let it break you and have a life in the meantime. Lone Star