Our condo is in the "waiting for approval from Countrywide" stage. We are not behind on our HOA fees yet. We have not yet filed for Bankruptcy.
We decided we are GOING to file for BK and in turn have stopped paying our minimums on our credit cards. We really can't afford to pay out HOA fees either, so we have stopped paying them. (As of today though, we are not late on any HOA fees, but will be come the 1st of the month.) I estimate we will be 2 or 3 payments behind by the time the condo is sold. We will not start the BK until that point.

