First, are you talking pre-foreclosure or has the property been foreclosed on? If before, they are in total power sorry to say. The bank if pre-foreclosure is not obligated to do anything. They may or may not allow it to be paid. The HOA is against the owner and the property. If it forecloses, they are wiped out, but I have seen many cases where they come back and try to get the new owner to pay. It sounds like you are trying to close on a short sale. If this is the case, time and time again, the HOA can kill the deal and they will take nothing less than what is owed, and sorry to say, but depending on the association, they very seldom will negotiate. The one solution I can say that does work for them to release is to pay it. If the bank won't allow it, the buyer or realtor's will pay to get it settled and closed or, move on to another property and let it foreclose. After foreclosure? Again, the bank has to give clear title, so if they are coming back after the fact, you need to consult and attorney. In either case, consult an attorney. I personally specializing in short sales have tried in all my years to negotiate with the HOA's and very seldom have been able to get them to negotiate for a settlement. After it has foreclosed? Consult and attorney. Short sale or pre-foreclosure? Someone will other than the owner will have to pay if you really want the property.