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My nephew was underage when both of his parents died. Now somehow they have followed/found him and are sending bills to him (now of age) for the house, water bills, etc. Can they sue him? He was UNDER 18 when the parents both died. The mortgage co. and water co. know the parents are deceased. the bank WILL NOT FORCLOSE because if they do they are responsible for caring for the property or tearing it down. It is a TRUE SLUM! In a horrible part of town. Worth NOTHING. I think banks should be MADE to forclose and do something with the houses so they don't bring down the neighborhoods. So our nephew who is now 26...is he responsible? They KNOW they should forclose. How awful!!! And for the neighbors! We think the bank sold it to a collection company. I'm sorry..I don't know much about this but am concerned about the boy. Thanks.

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I'm a bit confused here. Your nephew was underage, so I assume that means under 17 or whatever the legal age is in the state in which he lives. But now he's 26. Was he an heir? Is he living in the house and if not, who is and who inherited the house when the parents died?

As to whether or not he can be sued, I believe that would turn on what his interests in the real property are and whether he has any obligations for it. More information on this is really needed to answer your questions.

Call the Register of Deeds in the county in which the house is located and ask them who the title holder is. Some will quickly check records and advise who holds the mortgage and who the title holder is. Some will require you to come to the county and look up the records yourself.

How do you kno that the bank will not foreclose? Have you or your nephew been in contact with them?

Banks will sell mortgages, but they can't sell a house until and unless they foreclose on it and acquire title. From my experience in real estate (primarily commercial) good mortgages can be sold to investors, individually or collectively packaged together.

It would help to have a little bit more explanation about your nephew's role as an heir as well what legal interest he has in the house and real estate.
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Many counties have property records available online through the assessor's office. So they are trying to collect from your nephew on a debt that is 10 years old? I would have him do a Google search on fraudulent debt collection. This sounds absolutely unbelievable. Are you sure it is actually happening? Does nephew have the same first name as his dad did? If so, maybe this could be cleared up easily. With all of the identity theft he needs to be careful who he gives any sort of information to.
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He really needs to see a lawyer. If he inherited the house and the utilities were left on and put in his name, they can go after him. If the bills were all in his parents' name, the attorney can sort it out.
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