Foreclosure

===Spain===
Unlike in the United States, where a foreclosure means the end of the line, the foreclosure hearing in [[Spain]] is just the beginning of the homeowner's troubles. They will have to work for the bank for many years and will be unable to ever own anything—even a car. Spanish mortgage holders are responsible for the full amount of the loan to the bank in addition to penalty interest charges, and court fees. Much of this can be attributed to Spain having the highest unemployment rate in the "euro zone". Unlike in the US, bankruptcy is not an adequate solution since mortgage debt is specifically excluded. Unlike other European countries, you cannot go to the courts for any sort of debt relief. There has been much contention over these policies in the Spanish Parliament but the government is convinced that keeping these policies will prevent Spanish banks from ever experiencing something similar to the US mayhem.<ref>{{cite news |last=Daley |first=Suzanne |title=Foreclosure in Spain Can Mean Lifetime Debt to Bank |work=The New York Times |date=October 27, 2010 |access-date=December 4, 2011 |url=https://www.nytimes.com/2010/10/28/world/europe/28spain.html |url-status=live |archive-url=https://web.archive.org/web/20120225091135/http://www.nytimes.com/2010/10/28/world/europe/28spain.html |archive-date=February 25, 2012 }}</ref> With repossessed real estate properties on their books worth about €100 billion the banks in Spain are eager to get rid of foreclosures.<ref>{{cite web|url=http://topspanishhomes.com/news/banks-spain-are-eager-get-rid-foreclosures|title=Banks in Spain Are Eager to Get Rid of Foreclosures|website=topspanishhomes.com|access-date=8 May 2018|url-status=live|archive-url=https://web.archive.org/web/20140502015553/http://topspanishhomes.com/news/banks-spain-are-eager-get-rid-foreclosures|archive-date=2 May 2014}}</ref>
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