You should review your copy of the Homeowner's Association Agreement or Declaration if you have questions about its policies, rules & regulations, provisions and by-laws. The association's policy for dealing with non-payment of dues should be stated therein. It is likely the developer reserved the right to record a lien in the original declaration on behalf of the homeowner's association when it drafted the original documents. Although the developer is eventually out of the picture, the original documents it drafted will be the source of governance for the subdivision or condominium. The provisions included in that original document determine how the homeowner's association can/will operate.
The association spends assessment dollars to operate the community. You promised to pay your assessments when you signed the agreement to purchase your unit. The association is obliged to pursue you for your unpaid debt, and a lien is simply one way of insuring that your assessments are paid.
Read your governing documents to identify your responsibilities for paying the garbage bill.
If you owe it, and if you have ignored the association's attempts to collect it, expect that a lien will be filed.
If you are not responsible for the garbage bill, you can consult with counsel to protest the lien. If you prevail, the association may be responsible for reimbursing your legal expenses.
Usually, yes.
(It's difficult to tell from your question whether 'ca' means California or Canada. Laws are different in each 'ca'.)
Read your governing documents to confirm that you agreed to pay your monthly assessments. (The association uses these monies to operate the community -- paying its bills, maintaining the amenities that you enjoy.)
Further reading will inform you about the process that the association can follow to collect this debt, potentially to and including selling your property.
Yes.
The association can file a lien on your title to force you to pay a debt that you owe, usually unpaid monthly assessments.
Yes. Read your collection policy to verify that you are responsible for all fees involved in collecting monies that you owe to the association.
Read your governing documents to determine the board's authority to file a lien against your title.
You can satisfy a lien by paying the assessments and other fees involved in filing the lien. Association counsel can prepare a release for you, for a fee, that you use to guide full payment and release of the lien.
No. There must be (a) recorded instrument(s) giving the authority for a HOA to file a lien.
The association counsel that filed the lien for the association can answer your question.
The current owner will inform you as to the monies due to the HOA at the time of sale. If the HOA has filed a proper lien on the title to cover past assessments, then yes, they are paid as part of the sale.
A lien clouds title to a property, which means that the property owner may not successfully transfer title to another owner until the lien is satisfied. As buyer, you are entitled to a 'clean title' to the property. The association may not file a lien against a new buyer upon purchase, since the new buyer is not obligated to pay assessments until the date of purchase and beyond.
Read your governing documents where the authority to lien and process for establishing a lien are all written out. Work with your association's condominium-savvy attorney to file the lien and pursue collecting the debt.
While it is possible to write up a statutory lien form based on your state's laws, I don't recommend it. Any mistakes or omissions you make will cost the HOA thousands of dollars in attorney fees. Therefore, the best way is to contact a real estate attorney in your area and let him or her do the work. In addition, most states allow HOA's to collect attorney fees from homeowners who haven't paid their dues, so odds are the attorney won't cost the HOA a penny (once the lien has been paid).
A lien can be placed upon any property if first, there is a judgment. You first have to have a judgment, where a debt is actually proven in a court of law, leaving a judgment. THen, if not satisfied, they certainly can lien your house. Anyone holding a judgment that is not satisfied can lien your house.
Owners pay HOA assessments, in monthly or in annual payments. These payments are the revenue source for the operation of the community. Past-due assessments in escrow may be paid to satisfy a lien.
Best practices dictate that you work with the association's attorney to identify the proper lien to file, and to follow the process required to file such a lien. An improper lien, filed improperly will give an owner an 'out'.
Your answer depends on the nature of the HOA lien, the nature of the bank lien, the state law and the governing documents in effect for the HOA. There is no standard.
Read your governing documents to determine that you have an automatic lien on a unit based on monthly assessments.Contact a condominium-savvy attorney and with your governing documents and the unpaid unit's assessment ledger, determine the amount of the formal lien to be filed with the local court.