We have mortgage arrears on a rented house that we were advised to stop paying rent on a year ago. In the meantime my Dad has died and left us around 150k also my job has changed and I am earning 3x the amound that I was last year (70k) and husband (55k). There is around 80k due in arrears. Can anyone advise should we pay off the arrears or can a deal be made for half or a % of them. Or could anyone advise someone even to go and see. We have no other debts outstanding whatsoever. We just got into a bit of trouble during the recession when we had two children with special needs and I had to stop working but thankfully everything has settled down now. We are not in arrears in our own home either. No credit cards, car loans nothing else. The rent will more than cover the mortgage at present. Thankfully too. Any advice would be very much appreciated.