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Homeowner Defenses That Could Be Used in the HOA Foreclosure Process. As an HOA Board member you may be faced with the task of having to make the decision to foreclose on homes in your association. Weâve all been challenged by the financial climate these last few years and it is going to take some time to bounce back.
FORECLOSURE DEFENSES, by Kendall Coffey. Â¾ PLEADING AND PRACTICE CONSIDERATIONS.  Introduction Foreclosure Defenses. The starting point for defenses is pleading them properly. As in plaintiffâs statement of claim, the. requirement of certainty will be insisted upon in the pleading of a defense; and the certainty required.