The way the HOA can come after you during the foreclosure process is through the property. Typically what they will do is put a lien on the property. Since an HOA in the state of Nevada is considered a Super Lien which gives it a high priority. Sooner or later it is going to have to be paid. Either by the Bank through a Short Sale, or REO sale, or by an investor if they buy at the trustee sale.
Hope this brings more light to the situation.
Contact me directly if you have any other Real Estate questions or if there is anything else that I can do to be of service.
Barrett & Co., Inc.
2885 S. Jones Blvd
Las Vegas, NV 89146
(702) 592-9510 ph