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Motion for Summary Judgement had an amount of approximately $5,000. I made payment arrangments for monthly payments that would have had the amount owed paid in one year. I began payment arrangements and I got a Stipulation from HOA attorneys for over $15,000 that would be paid in three years. I continued to make the monthly payments but stopped the arrears. They are now moving to foreclose. If it came down to it, could I accept that $15,000 arrangement in the hearing or threaten bankruptcy as the property has been transferred to a trust and is no longer in the homeowners name.