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Wells Fargo advised us that they intended to foreclose in 2010. We declared bankruptcy and moved. We have been threatened by lawyers for the homeowners organization that we still had to pay the HOA fee, so we did. The water company says we still have to pay the water bill, so we have. These things are becoming a burden to us but we are trying to build our credit and are afraid not to pay them. Wells Fargo has sent us numerous "help for homeowner" things that they should have sent in the beginning. We are nearing retirement and know there is no way we can afford the house, but Wells Fargo won't let us go. they won't put anything specific in writing and we have been told not to take collection calls.