I have residual debt of 150.000 thousand euro from the voluntary sale of an apartment in 2013. What happens, it has been nearly 4 years now i am starting to save again because i am working now thank god. No word from the bank as yet, can they take my savings from my account at any time? 20 thousand. Will they sell my debt to vulture funds? Anyone know what is likely to happen to me in the future regarding this. Please looking for someone that knows about this kind of thing. Thanks.