I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
Are you really off the title? Just because the lender exercised its right to take the property from the HOA after payment of some or all of the past dues owed doesn't mean that you are off the title. Until the lander has a foreclosure sale and a new buyer takes title to the property---chances are really strong that you are still on the deed to the property.
When you walk away from a property and it is foreclosed on by the HOA, the bank is obligated to pay some of the HOA dues arrears in order to get the property back. Those dues were your original obligation to pay and really are no different than they would have been had you lived there and continued to pay the dues and mortgage. The lender is simply trying to collect the debt that is owed.
The fact that you are off the title as of January only protects you from the HOA payments coming due after you were off the title. All HOA payments due prior to January, as well as the past debt on the mortgage is still owed.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
Kindly, remember to rate my service to you. That is how I am credited for assisting you.
I wish you and yours the best this holiday season,