Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Condo associations are not discharged in bankruptcy from the date you file onward.
They are specifically excepted from discharge in the bankruptcy code.
Therefore, you are on the hook for all payments from the date of filing onward.
The condo association has a lien on the condo, pursuant to the purchase contract when you bought the place.
The association can either evict you to get a paying tenant in the unit, or they can foreclose on the unit too
They can collect any unpaid dues from you, including suing you and garnishing wages or liening your bank account too
Bankruptcy discharges debt, it doesn't transfer ownership of the property.
The owner is liable to make continued, post bankruptcy filing payments, or else this is the result.
Talk to the attorney to see what repayment options you have, they may be willing to work with you.
If they are foreclosing, the property will be sold.
If there is enough to pay off all the liens, and the association, then you are ok, if not, you'll have to pay them the difference.
Do you have any questions?
What do I do with the documents I was served and need to respond in 20 days? Do I wait for them to foreclose first? I just don't know what to do.
You can respond if you wish to fight it, if you do nothing, you are saying you have no defense and they will get a default judgement.
Review them with your lawyer, they can advise you if you must appear, but most of the time you will not have to.
any other questions?
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