Because people cannot pay the bills on the land and it generates nothing, so that is what they walk away from.

If your going the CC wrote, which Crum you just made it sound very complicated (moving parts to pay a bill), might as well get the three CC's and the max limit you can. 

We found a $4k+ past due bill from current tenant, but in owner's name.

I could be wrong though...I've been billed $26/month so far. 

At this point I would stick it out with insurance, and get renters insurance involved too because you’ve already racked up a big bill.

However, the Most alarming thing is they have allowed the water bill (they pay for all utilities, but the city bills the water to me) to mount over $2k over the last several months.

If you don't have it you can call your insurance company and ask them to email you the declarations pageRecent Mortgage Statement:2 Different Utility Bills: Gas, Electric, Cell Phone Bill, Cable, Garbage, any two utility bills.Copy of Mortgage Note all pages: Was included in your closing documents when you purchased the home.

Look at your bills.

So when that buyer refinances and pays you off in two years you won't have a tax bill then either.

No evidence of wrong doing but the landlord is currently in court processes for medical bills , ptsd , and a list of of things .