I agree with the previous answers, but one more thing to point out is that the debt, if owed, is basically unsecured debt (think credit card debt). While you owned the home the HOA had a secured debt - meaning they could foreclose on your home (or put a lien on it) to collect what was owed. Now that the home has been foreclosed upon, the HOA has no collateral or security for the debt. They essentially have to collect in the same manner a credit card company would - sue you, get a judgment and...