There are several questions that you will need to explain to get a good answer.
1. Why did you turned the keys to the bank?
2. Have you done a deed in lieu of foreclosure?
3. What name is on the public record?
4. Is there anyone in the house?
5. Why did you pay the HOA after giving the house to the bank?
What I can tell you without this information is.
1. If you turned your keys before a foreclosure without been foreclosure you just left the property abandoned and you still liable for everything.
2. If they did a deed in lieu of foreclosure they should be responsible for HOA and Taxes from that point on.
3. The name on the public record most likely will be the liable for HOA and Taxes.
4. If you still own the house you could still be there since April 2011. Most of the times it will not make any difference on the foreclosure process and judgment against you. If you own the house and someone rented the house them it is a problem or if you have squatters.
If you still own the house and don't pay the association will foreclosure and that possession. Most of the time they will rent to recover unpaid fees until the bank come and foreclosure on everybody.
Your credit will be damaged either way.
If you don't own the house just print a copy of the public record or deed and contact the hoa so they can contact the new owner.
This is not legal advice so please contact a real estate attorney for legal advice before taking any action.
Karen Weathers, REALTOR
Charles Rutenberg Realty
Check with a lawyer if your loan is a Recourse or Non Recourse loan.
Right, the HOA will turn it over to a lawyer, and either collect from the Bank
after a REO sale, or come after her and you later.
This is why some folks have to file for Bankruptcy.
Hence, heed the advice and go to a lawyer.