Q: Filed for bankruptcy in 2011. Abandoned and discharged my house. HOA had dues added to house after it was discharged.
According to U.S.S.C. 523 (a) (16) I did not have the intention to keep the house. The bank foreclosed on the house in 2012 and removed the foreclosure 2 months later. They later foreclosed again in 2015 and sold the house. The HOA is using a debt collector to attempt to take $3800 that was "debted" in 2012. (likely when it was foreclosed the first time.) Since the house was foreclosed twice and then sold, am I still responsible after 6 years? Also note the house bill in 2016 says the HOA has to afford me a 6 month payment plan before sending to collections. There has been no contact since 2011 when the bankruptcy was discharged.
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