Interesting fact pattern here. The spin I see is that the debtor files bankruptcy and ‘surrenders’ the home.
Many mistakenly believe discharging the mortgage means the house is no longer theirs. It still is, until the property is sold or goes thru foreclosure. The HOA or condo assessments incurred from the date of bankruptcy until then, are the debtor’s responsibility since they owned the property!
The rule is to prevent the other owners in the HOA from having to take on the debtor’s debt.