Hi Gary

Madonnas aside, you will be held liable for the outstanding community fees as you are still the registered owner until the property is effectively repossessed by your lender and becomes the new owner.

Bold move you've taken on voluntarily defaulting on a Spanish mortgage loan.

You are aware, of course, the liability is personal and unlimited on doing so with all your assets, both now and in the future?

These procedures in Spain are taking on average between 1-3 years depending on where the property is located (how clogged law courts are).

Sincerely
Raymundo LarraÃ*n Nesbitt