A homeowner purchased a bank-owned home and was told a homeowner's association (HOA) did not exist, but the HOA is now attempting to collect fees and impose regulations. The developer of the HOA filed for bankruptcy, so it is unclear if the HOA is still valid and what responsibilities the homeowner has to the HOA.

1. Is a Home Owners Association still in effect if the developer files bankrup
tcy?
I purchased a bank owned home last year. I was told by neighbors and the realtor
r that a HOA did not exist. Now, they are attempting to collect fees and impose
regulations that I was unaware of when I purchased the home. What are my respons
ibilities?