Yes. Assessments are due and owing on the date of filing and thereafter.
If past-due assessments -- owed to the date of filing -- were listed in the bankruptcy filing, they have been handled by the referee and must be treated as subject to those rulings.
Your bankruptcy proceeding involves a date before which debts are subject to the bankruptcy proceeding.
After that date forward, with a clean slate, you continue to owe your assessments if you continue to own your property in the association.
Yes.
Work with your bankruptcy attorney to verify which debts are included in your filing. As of the date of your filing, ongoing assessments become due and owing, together with any new special assessments or fines incurred after that date.
The number of years a homeowners association (HOA) can collect dues depends on the specific laws and regulations in the jurisdiction where the HOA is located. In some states, there may be a statute of limitations that limits the number of years an HOA can collect dues, typically ranging from 3 to 10 years. However, it is recommended to consult with a lawyer or review the governing documents of the HOA to determine the exact time frame for collecting dues.
If you owe money to your HOA, the debt is secured by the title to your property. The HOA can pursue collection procedures valid in your state to collect what you owe. Finally, in order for the HOA to collect the debt, if you continue to resist paying, it must file a proper lien against your title, then pursue collection at sale time or when you choose to clear your title.
Your bankruptcy attorney can help you determine whether or not the special assessment was part of your bankruptcy proceeding.
Your bankruptcy attorney can help you add assessments due and owing up to the date of your filing. Assessments incurred post filing are due and owing.
The HOA only files a lien when all other attempts to collect monies due have failed. An owner who ignores notices from the HOA to collect money cannot later claim to be unaware of fines, since monies due and fines are detailed in the governing documents.
Your bankruptcy counsel can best advise you on what to include in your debt statement for the bankruptcy proceedings. As well, given our situation, you may decide to file for a style of bankruptcy that schedules payments you make over an extended period to retire your debts instead of discharging them.
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If a loan from a credit union has been discharged in bankruptcy court, that credit union cannot collect and must write the loan off.
Actions such as sending collection notices, filing a lawsuit, obtaining a judgment, or initiating foreclosure proceedings against a property would likely qualify as proceedings to enforce a lien or collect a debt for unpaid HOA assessments in Maryland. Any action taken by the HOA that aims to recover unpaid assessments through legal means can be considered part of the enforcement process.
Your question sounds like there was an original HOA, which was superseded by a new HOA. Every HOA collects assessments to operate the community, and as an owner, your governing documents define your responsibilities to pay and the association's responsibilities to collect assessments. The new HOA has its own form of assessments, regardless of the form of assessments paid to the original HOA.