Most likely a collection company is coming after the HOA fees. There are ways to settle fo 10-20 cents on the dollar.
This is a collection issue. As a result, the HOA will most likely try to collect from both you and the bank. They can do so on the bank by placing a lien on the title. They can also go after you in small claims (depending on the amount) since you owned the home for a large portion of the bill they are trying to get you to pay. I would suggest a consultation with a Real Estate Attorney as they can give you some guidance and send a letter on your behalf to the management company which may get them off your back. It may be worth the $300 for an hour.
With friends and associates who are highly qualified real estate lawyers here in Orange County, I will provide you with information about them if you let me know by contact or telephone call.
I am a Realtor and real estate broker ... and also a lawyer for many years here in Orange County. My business is real estate and no longer do lawyering for individual clients.
Harrison K. Long, Coldwell Banker Previews, Irvine, CA. DRE 01410855.