Absolutely nothing. You’re safe.

Today I received a phone call from a client who had a successful Chapter 7 case 3 years ago (successful because she received her discharge). Creditors have been quiet for years. Then, out of the blue, she receives a certified letter with the above foreclosure notice. Thankfully, she called me right away.

She did surrender this liability years ago. However, the timeshare company never bothered doing anything with it (probably because it was worthless). Now, they are selling it off, and they are required by law to notify her.

This does NOT mean that she will have a foreclosure on her credit. They will NOT be able to sue her for any deficiency balance. We gave this up years ago and wiped out the debt. The certified letter gave her notice only: she doesn’t have to respond or do anything else.