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Sorry you are dealing with this. It would be in your best interest if you can not physically attend the meeting to request that either you may appear at the meeting by telephone or other means (i.e. skype) or to have a local attorney appear on your behalf. In addition, if you can do so financially, I would recommend you retain local counsel in the County where the foreclosure is occurring. Regardless of the HOA foreclosure, there is still a promissory note that occurred for the loan and that bank could decide to sue under the terms of that note even though it may not have the security in the real property
All my best & encouragement.
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