With that disclaimer aside... Depending on when your condo was created, the HOA may have had a "super-priority" lien for the prior 6 months of dues that should have been paid at the foreclosure (which is when the bank "bought" it back). If so, then the prior six months of dues should have been paid. If not, then no HOA dues were paid at the foreclosure.
In the final analysis, though, condo dues are BOTH a lien on the property AND a personal obligation. So yes, the HOA can -- and apparently is, like many others -- coming after you because you didn't pay the obligation. And yes, its a much bigger number now because you failed to pay on time. That is legitmate.
Finally, given Tonya's comment below I must note: A creditor can garnish your wages ONLY IF the creditor has reduced the debt to a judgment. So if you don't deal with this issue, and if the HOA sues you, it will win and it will get a judgment against you for the full amount. At that point, the HOA will begin efforts to garnish wages, bank accounts, etc. -- i.e. take your money without your consent.
This was an issue in bankruptcy too, because there are decisions on whether the dues are dischargeable going forward. I've just never had a client where either was an issue, so I've never researched it.
HOA assessments are a lien on the property, and they're also (usually) a personal obligation. A person who buys the property at foreclosure can be on the hook for up to six months' of delinquent assessments, the balance is a personal obligation that you are responsible for.
The side charges and fees are substantial, but so is the effect of delinquent dues payers on an HOA. For one thing, the HOA has to hire professional service providers to catch up with you. Another thing is that the HOA isn't a bank, which can carry you for a few months until you get back on your feet - instead, the HOA can't afford to be short when their regularly scheduled obligations come due - for example, when it's time to pay the insurance premium or the elevator maintenance company or the backflow inspector.
So, the bad news for you is, yes, they can come after you.
If you contact tthe collection company directly you can probably work out something, but remember.... These dues are something that you did owe, so it's binding against you. I know it's tough out there, and so do most collection companies. Finding a solution now will result in your credit clearing faster than just wishing it will go away.
So, Mister IPA, read your condo documents!
In addition to constituting a lien on the unit, each assessment shall be the joint and several obligation of the owner or owners of the unit to which the same are assessed as of the time the assessment is due.
Some guesses are more educated than others. But Misteripa, rely on legal advice via a blog at your peril.
I guess the logic is that the condo owner benefits from each month's HOA dues, during that month. Water/Sewer/Garbage, right? So you pay dues for January and you get water/sewer/garbage in january, as well as getting the lawn mowed or whatever. An argument could be made that since you are the one who took those showers, you should pay for them.
Yeah I know this doesn't address the reserves, etc., but I can't think of any other reason to assign personal liability to HOA dues, when logic tells us this should be attached to the property.
On an unrelated topic--Why do so many HOA's shoot their members in the foot with assinine restrictions? No signage, I guess I understand, but no keyboxes? I only hope that whomever votes for rules like that gets to suffer when they're trying to sell. Ok, off my soapbox now.
If anyone's reading this who is in a similar situation--Don't let your property go to foreclosure, try every other option first, including short sale. I listed and sold a couple of condos recently where this was happening and got the buyers to pay off all the past dues and additional liens at closing, including the HOA attorney's fees. But those were short sales and I think it's too late for that in the OP's case.
Sorry, I dont' have anything more to add for the OP, so I'll just agree with Craig and Mack.