OP
Quoted from tech25:
Can you clarify why unpaid HOA fees dont go through foreclosure.. Because in my neck of the woods, there are 2 coming up for this exact reason. They have not actually gone to bidding yet, but are due next week. I am going to watch and see what happens. Im learning as much as I can and taking myself on a crash course of this in the last couple days.

I'm a member of our HOA board and at least here in my area, if the homeowner goes in to bankruptcy all action related to overdue HOA fees stops

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