Hi - my name is XXXXX XXXXX X'X a Bankruptcy and Consumer Protection attorney here to assist you.
Are you still living in the house?
Thank you for your response.
The mortgage lender will be more likely to foreclose if you stop paying the expenses for the house.
When there are HOA dues involved, it is usually a good idea to wait as long as possible before filing a Bankruptcy, because a Bankruptcy can only discharge the dues that are owed at the time you file.
You will remain liable for any dues that accrue after your Bankruptcy is filed.
So, filing a Bankruptcy at some point would be a good idea - so that you do not have to worry about the lender trying to collect the balance owed on the mortgage - but if possible, it would also be a good idea to wait until after the house forecloses.
If you stop paying the HOA dues, the HOA will also be allowed to foreclose the house.
As will the taxing authority if you stop paying the taxes.
The only things you can do to speed up the process is to stop paying the expenses.
If you stop paying the expenses, the bank will have to pay them - or lose the house.
You can also contact the lenders and explain that you do want to foreclose.
And that they should not delay the process based on the fact that you are a service member.
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