Do the banks have people at the auction bidding?

I have to clarify however, that they are suing me for non-payment of fees, their plan is to win a judgment so that they can auction off the lien.

The only way the HOA could force a sale of your boat is if you owe the HOA money, the HOA obtains a judicial judgment against you, levies a writ of execution on your personal property, forces an auction of your boat to satisfy the judgment, there is no statute that somehow disqualifies your boat from execution to satisfy a judgment, you have enough equity to exceed any value of the boat that is exempt from collection, and the remaining value makes it financially feasible to do so....Now, as to what the HOA can do - get copies of ALL of the governing documents, and have an expert review the documents to determine if you are violating any of the governing documents.

It's in a pretty rural area of Georgia -- so I doubt there were any bidders for the March 2011 auction.

how long does the legal process take after a property is auctioned back to the lender?

If they REALLY didn't want them, they would have let them go at the foreclosure auction in the first place.

"Ten things you absolutely must know before buying a property at foreclosure auction".

;) We ended up loosing the auction and our income history wasn't long enough (2 full years)Keep in mind that when you're going with FHA loans:- Both you and the 'co-borrower' must promise, on paper, to use the property as your primary residence.

No one bought at the auction, now I own the house. 

All make full disclosures - like ---"Our goal is to earn a reasonable profit -Our intention is to assign our contract within the terms of our agreementIf we do not assign our agreement this offer is subject to cancellationConsider offering a "Hybrid" in your offer - a hybrid is where you offer to give the seller more over your offered price if you make more - this always pleases the seller - it make the seller sort of a partner with you in the common goal to cash his property out.Find the high equity potential property, control it and the money will come - HML is OK for some, but if it is your intention to flip the property - make the seller your partner - liquidate the property as fast as you can and do it over and over again.As an auctioneer - I turn properties over nationwide using the auction method of marketing -  and "Power Prospecting" you might want to do the same - it works well when you understand the system and what you want to accomplish.