(1) Following the receipt of the notice and demand for payment specified in § 1268h of this title, the debtor or current titleholder, if a different person, may contest the demand for payment within thirty (30) days of receipt thereof, by means of a notice sent by certified mail, return receipt requested, to the creditor, including the evidence establishing that the amount claimed has been paid or that the amount owed is less than the amount claimed. The creditor shall have ten (10) days from the receipt thereof to review the payment evidence submitted.(2) If the mortgagor and the mortgagee are unable to reach an agreement over the existence of the indebtedness or over the balance owed, foreclosure shall be carried out pursuant to ordinary proceedings before a court of competent jurisdiction in Puerto Rico.(3) If an opposition is not received within the term herein provided, the creditor may sell the timeshare or vacation club right pursuant to the procedure provided for in the following sections. History —Dec. 26, 1995, No. 252, added as § 13-103 on July 29, 2010, No. 106, § 10.