As many agents here have posted, Please consult with an attorney in your state for their advice. But, the simple answer is you can't legally stop paying the HOA fees until the bank owns the home. Since we all sign documents so quickly at a typical closing, you were likely to miss the agreement with the condominium's HOA board. I am the treasurer of a Condominium/Townhome HOA in Nanuet, NY. We currently have one unit in foreclosure. Though it looked certain there would be a foreclosure, the owner, after ignoring the Board's inquiries for about a year, approached the board with a payment plan to catch up and keep current going forward. So, communication is the answer and you never know how long it will take the bank to actually foreclose. In NY State, we were able to attach a lien to her home, making a difficult sale even harder for a prospective buyer. The lien amount will also be calculated in the foreclosure and since many people's homes are worth less than the mortgage, there would likely be no monies available to pay the back common charges. You may also face garnishment of future wages as some courts will not simply dismiss the debt.