THERE ARE OTHER TYPES OF FORECLOSURES

As noted in the following article:

"Homeowner associations typically have the right to place liens against wayward residents. Either through a court or state-regulated process, they can then foreclose on houses worth hundreds of thousands of dollars even for a few hundred dollars of unpaid debt, much like a municipality can for unpaid property taxes or a bank for a few missed mortgage payments."

See: MSN: $288 in unpaid fees, homeowner association took her home