Posted on: 03rd Oct, 2011 09:28 am
We filed bankruptcy ch 7 Oct 2005. Discharged Apr 2006. House mortgage was discharged in the BR. We never reaffirmed the loan. We stayed in the house and paid home mortgage payment for 5 yrs. Upside down on house by over 100K. Then when ARM went to adjustible, we moved out. That was a year ago. House is still vacant. Notice of Default posted Dec 2010. Mortgage bank has changed the locks on us in May 2011. At that point, we decided not to keep paying the HOA dues. HOA still billing us for dues. Now adding $$$ every month for late fees and interest on top of that! Should I send those bills to Wells Fargo? Since Wells Fargo has taken the house back, should they be responsible for HOA dues? And why isn't Wells Fargo completing this foreclosure? It's been over a year now.
Thanks
Thanks
Hi Guest,
As you haven't surrendered the property to the lender, the HOA is still billing you the dues. You're still the owner of the property and thus responsible for the maintenance of the property. You should immediately surrender the property to the lender and ask them to sell it off asap. There are chances that you will be liable for paying off the bills.
Thanks
As you haven't surrendered the property to the lender, the HOA is still billing you the dues. You're still the owner of the property and thus responsible for the maintenance of the property. You should immediately surrender the property to the lender and ask them to sell it off asap. There are chances that you will be liable for paying off the bills.
Thanks