If the landlord that you signed the lease for the unit you are renting is nowhere to be found and you are paying the mortgage for the unit via your rent (at least partially) and the rental is up for a sheriff's sale under a presumed foreclosure, it is your call on continuing sending money to the lender (bank).From what you have written, I doubt that your credit would be tarnished due to the stoppage of payments to the bank since you do not seem to be in contract with the bank. As to the only one who could report your failure to make payments, the landlord, he seems to be in default on the loan and cannot be found.