<prompt> Human: Hello,I am currently going through a divorce with one child involved. I have a condo that I purchased before I was married for about 120k, and currently owe 96k. Im able to keep up with my payments, but any expense need a car soon will make me unable to meet my committments. A big problem on this end is the cult like HOA. My mortgage is 730 a month and the home owners dues are a staggering 610 a month. The HOA is out of control and rubber stamps any new spending while the fees have been consistently increasing year after year. This is so out of hand, its crippled sale prices in my area with sale prices about 30k less than comparable condos in the area. The highest Ive seen a condo sell for lately is 70k, while I owe 96k. To even meet the 70k sale price, Id have to pay to have a few things fixed which I cant afford. At this point, I dont think the condo will ever be an asset. The homeowners fees keep increasing and is destroying what little hope I have for selling and what little hopes I had for equity.Id like to pursue a short sale or a deed in lieu, but would I qualify since Im making payments on time? I have a few thousand in savings that I was keeping to possibly cover a shortfall in a sale, but now I realize its not possible to have enough cash to fill such a large gap. Would a strategic default be practical in this situation?  <response>: 7300 in condo fees a year?That place better have a gold-plated swimming pool surrounded by open bars and limo service. Thats nuts.See if theyre violating the HOA bylaws and use that as the basis for recovery. Othern that... you may have a tough time selling just because those kinds of expenses will drive values way down.EDIT: Id also add that the bank may not do a deed-in-lieu if theyll have to eat the HOA fees over a lengthy sales cycle. This will vary by bank, but the deficiency can add up rapidly given the HOA fees. 