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My mom passed away 2 years ago. The house was left in a living trust. I paid the mortgage for over a year, but could not sell the home. I stopped paying the mortgage and received a call from the bank offering a deed in lieu. I do not want to give any of my personal information since it was not my mortgage. I have good credit and would like to know if doing a deed in lieu would negatively affect my credit. There was no estate when she died.