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Did you co-sign on the loan for your mom's home. If not, why not let it go. It should not affect your credit. Also, I am assuming if only 30K is owed on it, there is equity. COuld you sell either property for what you owe minus the relator fees. Which house are you living in? Is the other vacant or being rented? A deed in Lieu is basicly the same as a foreclosure. You are just saving the bank some work. All of the negative aspects will remain.