After about one year in a chapter 13 , we were unable to keep up with post - petition mortgage payments and opted to convert our case to a chapter 7 . The case has now concluded and I have received a discharge . Within two weeks of receiving the discharge , the HOA has sent a collection statement certified mail seeking to recover assessments that became due prior to the conversion of our case but after our original chapter 13 petition . There are post conversion date assessments that I know I will be responsible for . We are not living in the house and the home is set for foreclosure . One additional detail , the HOA did file a lien prior to filing the Chapter 13 case . I appreciate your response !