Rick, times are hard everywhere right now.
As you know, my oldest son just had a beautiful baby girl early November, and he and his girlfriend are wanting to get married when they get their taxes back so they can afford a decent little wedding, and now they're telling him that he'll probably get a pink slip once this little contract is up.
He's more than a little upset.
As for the bank demanding that you fix things on something that you don't own, I'm unsure how I handle that, but it would probably be not too good.
But I will tell you what I know about mold.
It grows because it is getting excess moisture, whether from the air or the ground or from leaky faucet or drain or even dryer vent or somewhere. A dehumidifier may help if you can keep the moisture below 45 or 50%.
Clorox will kill mold, but you don't want to use it in a confined space without a good NBC mask because it can punch your timecard too.
Also, either a fan to circulate the air will help, or adding air vents in the foundation (if possible) will also help too if you can get/keep the air circulating.