I bought a home in Ventura County, CA in 2005, right before the meltdown of the economy. I paid far more for it that it will ever be worth again. I had to take out a second mortgage
just to pay for it. In 2012, I filed for bankruptcy, hoping that I could just do a chapter 9 and pay off my creditors, but lose the second mortgage. Long story short, I had to convert it to chapter 7, which meant my house would belong to the mortgage
company. I called them, and even went in to see them with my bankruptcy attorney to see if there was any way I could keep my home. Both times they said no.
Since there was no way for me to recover anything from the home, I decided to just walk away from it. I got my dream job in another county, and left the house empty. Here's my problem: the house was in a community that had a "homeowner
". I don't know what their function was, other than to collect money. There was no common area that needed to be maintained, like in a condominium
complex. As far as I could see, all they did was meet once a month to complain about people in the neighborhood who were not present at the meeting. When I walked away from the house, I stopped paying the homeowner's association fee. My reasons were; 1. The house belonged to the bank, not to me; the bank had made that clear to me, and 2. I never knew what they did for me in the first place, and they certainly were of no use to me once I left. Yesterday I received a summons in the mail to appear in small claims court. They are suing me for about $1300 in unpaid fees.
Do I have a defense against them, or must I just pay up? If there is some way I can fight this, I don't mind going to Ventura for the day, but if it's futile, I'll just stay home.