There are two ways to handle this - 1) there has to be a judgment and a court order to garnish wages. You will need to file a motion to vacate the judgment and request a new trial; 2) Perhaps it's just easier and cheaper to file a Chapter 7.
We frequently litigate foreclosure-related cases in Maryland. The defendants (note holders and/or servicers) usually file to remove these cases to the District of Maryland from the local county circuit courts. Theses cases take a lot of time and effort, and I cannot imagine anyone volunteering 60+ hours of their time given that the usual outcome is a modification but rarely a monetary award/attorney fees.
It depends on the desired outcome. As you probably know, the condo association can initiate a foreclosure. Thus, if it is your goal to become current on your condo fees, you will need to file a Ch. 13.
However, given that you have many unsecured obligations, it might make sense to file a 7, get rid of your unsecured obligations (I am guessing that the trustee will be uninterested in your time share), and then, if needed, file a 13 to become current on your secured obligations.
Bankruptcy is certainly an option. However, you would be required to repay the 8-months arrearage in your Chapter 13 bankruptcy.
Also, you can apply for modification.
Either way, you must act quickly because the arrearage will become unmanageable as the time passes
A motion is simply a party's request to a court to do something. It is unclear from your fact pattern as to whether a hearing is on a foreclosure matter or on a subsequent collection matter.
In Maryland, a mortgage creditor is entitled to collect on the post-sale deficiency, i.e., if you owed $200k, and the home was sold for $100k, the lender can pursue you for the remaining $100k.
However, it happens infrequently.