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I am being held responsible for 18 months of missed HOA fees, totalling about $12,000 - for the time I had voluntarily surrendered a property back to the bank. I had called the bank repeatedly after surrendering it, and after they acknowledged I surrendered it, and had even secured the property on their behalf. I called the bank repeatedly, asking them to remove my name from the property, but they never did. I have since taken the property back and the Home owners associations are holding me responsible for all the fees the bank should have covered, when I had surrendered the property to them. What to do? .