My _____ is currently in arrears on a mortgage. The house is currently being rented out and my _____ is living in other rental accommodation. My _____ and the family have been offered jobs abroad and are thinking of either a) just giving the keys to the house back to the creditors, or b) letting the people in the house continue to rent, but there'll be no landlord or representative in place to take care of landlord duties.
Is there anything that the tenants can do to officially "take over" the mortgage, i.e, get the name of the debtor changed and free the landlord of their debt?
Thank you in advance.