There is one possible solution that I am surprised no one has suggested. Rather than take out an equity loan on a house (which, in Ivan's case is not an option because of the inability to repay), an owner can in effect get a reverse mortgage. You "sell" your house and receive a monthly "house payment" while continuing to live there. When you pass on, the balance owed passes to your estate and the house passes to the buyer. If ever necessary, my wife and I plan to do just that. This way, Ivan, you could continue to benefit from the PD and climate friendly attributes of you home, have some much needed income and pay your legal obligations.