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Have you tried writing to the HOA? Try explaining your situation. You also mentioned that the people on the other end are threatening you with foreclosure. Remember, it costs them a lot of time, effort, and expense to foreclose. It would actually be in their best interests (and yours too) to take a deed back in lieu of foreclosure. If you explain that you cannot afford another penny in maintenance fees and mortgage, they just might get the picture that making threats to you would be futile. I know that Don P mentions often here that he gave some units back by making it perfectly clear that he was going to get rid of these units one way or another and therefore it would be in the resorts' best interest to take the units back amicably rather than going through foreclosure procedure. So you do have a little bit of leverage here telling them that foreclosure will hurt them a lot more than taking a deed back amicably.