I would say that HOAs are low hanging fruit for dumb comics but I really think that this fruit is already on the ground and is in an advanced level of decay.
Unless they guarantee your successful exit or no charge—→>> do NOT engage with them. Most of these exit experts can’t deliver but are happy to BILL you untill you give up.
My mother (who would be well over 100) talked about when she was a little girl how they took a trip to the cemetery and had a picnic lunch while visiting “The relatives”.
I normally would preach caution about giving J.S.ideas but he doesn’t read the comments.