text: You will get a series of nasty letters and phone calls from the financing company, and attorneys representing the finance company threatening to sue you, demanding that you pay up, etc.  All of these demand letters are spelled out in your financing documents or state lending laws before they can legally foreclose on your mobile home, so to some extent, they are just going through the motions and you should let them.  Given the current state of mobile home lending, they don't want your mobile home back.  They will soak you for every nickel that they can get from you.  Read your financing documents to see exactly what you are on the hook for - it might be much more than you think including repo costs, moving costs, legal costs, etc in addition to losing the mobile home.  It was nice of you to send the keys back to them, but that probably isn't the end of it by a long shot.