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So I have a home that I have not lived in for 3 years and stopped paying due to my bankruptcy and surrend to bank, but they have not taken possession. The HOA has sent me lettrer saying "intention to commence a forclosure action against the property" and "we will file a foreclosure action against your property without further notice" I did not concern myself with this to much (YES I know BIG mistake). Now I have a lawsuit for foreclosure action and personal judgment. Can they do this? If i would have known there was a personal judgment included I may acted different. Seems kind of misleading as they said they will persue foreclosure and that what I was under the impression they would do, and I am ok with that. I only have problem with personal judgment. Do I have any def to jud?