Joint Ownership on deed 7/27/09 to 1/20/10. Removed my name. Husband then sole owner. Prior to death he turned in keys to the bank as house less than 1/2 purchase value and bank turned down several short sales. It never foreclosed that I know of. Until now, I've never received a bill directed to me from HOA. HOA now claims I am personally liable for past due HOAs from 5/1/09 to 1/20/10. HOA dues billed quarterly. Am I liable or did transfer to my husband make him 100% liable for past dues? Is there a statute of limitations or laches on this claim from the HOA? Without my husband things are very tight financially.