Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Yes, the HOA can commence foreclosure of your property, however, the mortgage lender has a priority debt secured by the home so that lender will get paid first and then if there is any equity balance remaining it will go first to the HOA, and then to you. If you are still in the home after the foreclosure, usually the lender will have to file a unlawful detainer action for you to vacate after giving you notice.
A chapter 7 BK will typically allow you to discharge the HOA judgment and any deficiency judgment on the primary mortgage. Please click "ACCEPT" so I can get credit for my work. If needed, we can continue our conversation after this at no additional charge.