It would be improper for an HOA to file a lien if there is no legal reason to file such a document.
In this case, apparently, the bank is the owner. So yes, the HOA can file the lien against the bank's ownership of this unit.
A homeowners' association would file a labor and materials lien entitled Assessment Lien. See the HOA covenants for more information on liens. I would recommend that the HOA retain a real estate attorney to prepare and file the liens.
The association counsel that filed the lien for the association can answer your question.
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.
Best practices dictate that you work with the association attorney to prepare and file any lien on the part of an HOA. An improper lien, or an improper filing of a lien can be used by the owner to escape the action.
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'.
Generally, the association will work with its counsel to file a lien on your property that you own within the association.
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.
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.
No. There must be (a) recorded instrument(s) giving the authority for a HOA to file a lien.
A lien form varies from state to state. In addition, there are specific requirements which must be followed for filing liens. To avoid any unnecessary, costly litigation, resulting from errors in preparing and filing the lien, I strongly advise the HOA to retain an attorney to file any necessary liens. Also keep in mind that attorney fees can be collected in addition to the lien amount (in most states), so the HOA will not pay any attorney fees out of pocket once the lien has been paid.
It is unlikely that an irrevocable trust gives the property any immunity from liens.AnswerYes. If the property is owned by an irrevocable trust the HOA can place a lien against the property and the trust. The HOA should research the trust so that the present trustees can be mentioned on the lien. Although debts are sometimes difficult to collect from a trust, the property cannot be sold or mortgaged unless the lien is paid.