saddle with

Reader's　Digest ６月号の記事 "Horror Stories" からの引用です。

And any issue that can't be settled between the homeowner and HOA board will eventually end up in court, which can be a lose-lose proposition. In Maryland, a conflict over a fence that crossed 8 inches into a conservation zone ballooned into five-year battle that left homeowner Betty Hooker saddled with $40,000 in legal costs.

HOAはHome Owner's Associationの略です。最後の文に出てきた "saddle with" を調べます。

・Oxford English Dictionary: to give somebody/yourself an unpleasant responsibility, task, debt, etc.: The company was saddled with debts of £12 million.
・Collins Dictionary: If you saddle someone with a problem or with a responsibility, you put them in a position where they have to deal with it.: The war devastated the economy and saddled the country with a huge foreign debt.
・Cambridge English Dictionary: to give someone a responsibility or problem that they do not want and that will cause them a lot of work or difficulty: The company is saddled with debt.