No, because they pay for a service, among other reasons.
Yes, but is not mandatory to join or pay dues.
Your bankruptcy attorney is best prepared to answer your question, especially if you expect to continue living in the home.
Yes.
You can either borrow money or what to get the repairs done until you have your deductible.
They can if the streets are owned by the home owners' association rather than by a municipality.
Read your public offering statement and governing documents to determine when owners begin paying association assessments. As well, understand the developer's responsibilities to pay assessments -- once they become due -- on undeveloped and unsold properties.
They should have collected this from the seller at closing. Usually the title company will contact the HOA to find out how much is due. The year's dues should be prorated according to what portion of the year that the seller owned the home and what portion that the buyer owned it. It is possible that the buyer gets a credit for partial HOA dues on the closing statement, then must pay a full year's dues to the HOA. Or the title company may pay dues directly to the HOA out of funds from closing. Check with the title company to find out what exactly happened at closing.
Yes is the short answer. Read your governing documents -- and in this case, perhaps a Resolution crafted to collect assessments -- to understand both your obligation to pay your assessments and the association's responsibility to add fines when you don't pay on time.
The web address of the Dennisville Historic Home Owners Association Inc is: http://dhhoa.dennistwp.org
If they hold a mortgage or a lien on the property. Home owner's associations often have required dues and if they are not paid, a lien can be placed on the property.
Generally, according to the site, below, Articles of Incorporation are required for any home owners association. An association-savvy attorney in North Dakota will be able to answer your question with precision.
Any legally established Condominium or Home Owners Association incorporated under the laws of the state has the power to file a lien for unpaid dues and assessments. Check the state laws governing these associations.