I own property with an HOA. The HOA assessed me a penalty of $25 daily for not constructing a home within a year of purchase. I did not pay the assessments and in 2008 a lien was filed against the property for $17k. In May 2010 I filed Chapter 7 bankruptcy. By then the balance had grown to $27k. Is the $10k dischargeable or does the lien somehow cover future assessments?