That's probably because you did not raise the issue in defending and your bk attny did not take an active roll in setting the creditor straight or seeking an Order of the bk court for violation of the stay. Been there - done that. Once warned of the consequences, never had an HOA try anything without attempting to get the stay lifted.
Good question as it is my understanding that all liens and encumbrances have to be addressed before a warranty deed can be issued but, I am a bk attny, not a real estate attny so I am not sure.
Des.

