They just have been remiss in exerting collection efforts for YEAR against the Debtors over this obligation. 

This created a lien on all of the debtor’s real property located in that county.

Are you using fixed, long-term debt or floating rate debt?

Then, only after all that, maybe you start getting some true net income you can use to pay down debt, or buy ice cream, or do whatever you want with.  

Mid-term rental and or short term rental might be an option to cover your debt or at least most it.

Does your end point include paying off your debt or do you plan to let the mortgage payments pay off your properties naturally over time?

Don't ignore them, call and see how they can help, some will let you defer a payment to give you some breathing room.Be honest with yourself and your debtors - build a bullet proof plan of success forward and don't beat yourself up.

.✵ The 50 percent rule: You can count on 50 percent of the income that the property generates to go toward repairs and holding costs other than those associated with debt or the mortgage.

The 50 - 60% of revenue remaining  is what services debt - or provides a significant free cash flow or the owner of the property is debt free.  

Using debt or seller financing to purchase properties, in this case my first to also house hack in a multifamily property, is the biggest thing I'm missing.