Hawaii 2009: I filed Chapter 11 bankruptcy. I wanted to keep two pieces of real estate and apply for modifications. The trustee required me to deposit all monies earned from rent into a bankruptcy account and provide monthly reports to trustee. When it was converted to a Capter 7 7 months later the trustee told me I was responsible for all of the expenses but I cannot rent the properties. When I asked my attorney why she said "because the trustee said so" . The association foreclosed on the properties 4 months later. I explained that I couldn't afford the dues since the Trustee said I cannot rent the properties. Now they are doing a judicial foreclosure. The banks are sending notifications to modify the loans, but the homeowners association says I don't own the property .