Follow this link to some free info about debtor-creditor relations from the Florida Bar: http://www.floridabar.org/tfb/TFBConsum.nsf/0a92a6dc28e76ae58525700a005d0d53/f1bc20015cfdb2e985257408005290ed!OpenDocument
One thing I've learned is that it's never too late to negotiate. Best wishes.
Dennis Phillips, Esq.
Florida personal injury and wrongful death law. Negligence is no "accident" (TM) www.inawreck.com
Although I am completely unfamiliar with Florida law, generally speaking you should not be liable for any post-foreclosure HOA fees (although you would be liable for any pre-foreclosure fees). Ability to pay is different from personal liability.
Garnishment would usually only be appropriate if the Home Owners Association has a legal judgment against you.
Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to insure proper advice is received.