The utility company declared both units to be shared meters: Unit 1 because of the baseboard heaters and unit 2 because there’s a dehumidifier (unit 2’s dehumidifier) plugged into their outlet.

Aloha,You need to check your Governing Documents, especially the Declaration, to see precisely what the HOA is responsible for.

We did not have this done for any US tax purposes when we bought the property since I never needed to do an itemized tax return (mortgage interest wasn't enough to make sense), and my husband (who was only a Chilean resident/citizen at the time), didn't declare with me.

Aloha,Typically when writing a Purchase Offer for a condo/HOA property, the Buyer requests a "condo docs" package that includes the By-laws, Declaration,House Rules, Financial Reports, Operating Budget and Reserve Funding Plan, past Board/Annual Meeting minutes, and other relevant documents.

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.What happens when people violate the statute?

This puts the lender at higher risk in the event you declare BK or any other event that might jeopardize your financial situation. 

I work remotely, so I can declare a new primary every year if needed.

If a commitment for such mortgage cannot be obtained within __2_1___ days from date of acceptance, at the Seller’s option, this Offer can be declared null and void and Ernest Money Deposit shall be returned.

The money is also not necessarily declared as debt.

Many say that Greece should have declared bankruptcy like Detroit.