How does a condo association report owners delinquent in paying their condo fees?

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Most associations have a collection policy. The policy should be drafted by an attorney who specializes in condominium law.


Generally, a delinquent owner is first notified by a demand letter explaining how much is owed and that legal action will be taken if the delinquent fees are not paid immediately. If that doesn’t work the association can file a lawsuit in the proper court depending on jurisdictional limits. If the association prevails it can obtain a judgment lien to file against the unit.


The final option if all else fails is to foreclose on the lien in court. The association should consult with its attorney if that step becomes necessary.
The association wants to do more than report owners delinquent. The association wants to collect the debt.


Check your governing documents to discover whether or not your assessments are automatically liens against the units. If so, then the association's attorney can file a formal lien.

The board may also have additional recourse to collect unpaid assessments, including perhaps selling the unit in order to satisfy the debt.

One way is to report the delinquent unit owners to a collections company, though these companies usually charge outrageous fees. I suggest the association retain a real estate attorney and file liens against the delinquent units. These liens may be foreclosed if not paid, which will be an incentive for the delinquent unit owners to pay up. Don't try to file liens without an attorney--if done incorrectly, thousands of dollars in attorney fees will likely be spent. The liens will then show up on the delinquent owners' credit reports.

In most states, it is not legal to publish a debtor's name, but you may be able to publish the unit number in your financial reports and board meeting minutes.
Once a lien is filed, it becomes public record and can appear on an owner's credit report.
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Can a condo association in Florida lien a condo and seize the property for late maintenance fees?

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If you are unable to pay your assessments, you can sell other assets, obtain a loan or by some other means, come up with the money. Friends, family, a bank -- all are potential options. Your condominium assessments pay for amenities, insurance, reserves contributions and utilities that you enjoy. ( Full Answer )

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Can your condo association put a lien on your condo if you haven't been able to pay your maintenance fees?

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Who pays for condo fees when it is reposessed?

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Does the bank usually pay condo fees after forclosure?

Banks that own condominiums are not known for their core competencyin real estate ownership: it is not their business. It is the rarebank that pays assessments willingly or voluntarily on a foreclosedcondominium unit. Savvy association boards deal with individual banks as owners aboutpaying assessm ( Full Answer )

Does homeowners insurance protect against delinquent condo fees?

This is not a normal type of coverage, per se . Depending on the reason an owner does not pay assessments, you may be able to purchase protection. For example, if your home is not habitable based on a protected disaster, your coverage may include monies sufficient to pay your assessments, which y ( Full Answer )

Can a condo association President vote for unbuilt units If so is he responsible to pay association fees and special assessments for the voted units?

Your answer is complex, and requires precise definitions. Usually, unbuilt units have no voting rights, because there is noallocated interest in the association's assets for unbuilt units. If the association president is not the developer, the presidenthas no vested interest in voting for units th ( Full Answer )

Why pay hoa fees if renting a condo?

If you own a condominium that you rent, you remain obligated to pay your assessments. If you rent a condominium, you may be obligated to pay assessment through the terms of your lease.

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Best practices dictate that the board and association manager review the local laws and work with the bank to collect unpaid assessments and maintain currency with assessments as they are due until the unit is sold. Your local association-savvy attorney may also have some ideas about collecting t ( Full Answer )