Should I pay my homeowner association dues if I surrender my home in bankruptcy?

Even if you surrender your home in bankruptcy, you are still liable for your homeowner’s or condominium owner’s association dues that become due after the date of filing.

As a general rule, all the debt that you owe on the day you file your bankruptcy is discharged, including past-due HOA and COA dues. However, because you remain the deed-title owner of your real property until your lender takes the property back, you owe current dues and assessments going forward. 

But this doesn’t answer the question, “Should I pay?” Well, the answer depends on your plan, but one thing is for sure. You should pay your HO and COA dues if you continue to live in the home or if you continue to rent out your rental property.