This depends upon where you live and what building and utilities laws apply.
In many jurisdictions, a septic system may not be permitted at all, in which case, the homeowner may not only be liable for a fine, but may also be forced to remove the system, clean it up (not a very appealing thought), and install a proper sewer line.
Proceed carefully. Call your municipal or county building inspections department before you commit to installing a septic system.
No suit should be filed against your homeowners insurance but any liability suit would be filed against the homeowner themselves. At that point you would turn it over to your insurance company and they would take care of everything. The person suing would have to prove you were negligent for something causing damage to them.
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Every state has different statute of limitations on crimes such as filing a fraudulent claim. Contact an attorney or check out your state's statutes to determine the SOL.
See a construction law attorney and have a lawsuit for foreclosure of lien initiated. I do not recommend filing your own lawsuit--they are quite complicated and attorney fees can be collected if you win.
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Yes, a BK does not negate foreclosure action it simply delays it. For the homeowner to avoid such action they must reach a solution such as reaffirmation of the lending contract with the mortgage holder.
A person who purchases a lot in a planned community agrees to obey the all the terms and provisions, rules and regulations of the homeowner's association. The penalties for non-compliance should be set forth in the document that created the homeowner's association. You should review your copy.
The HOA filed a lien against your title for a reason. The reason is probably past-due assessments. This action cannot be a surprise. Liens are filed by attorneys in the local hall of records, so they become public documents. An attorney who filed the lien probably extended you the courtesy of notice of the filing. If the HOA filed a lien for a different purpose that you feel is unjustified, best practices dictate that you hire counsel to fight the lien. If you prevail, you may well be awarded attorney's fees.
Yes. If you filed a claim a "PILR" and/or "CIB" check would alert the insurer of any and all prior claims made.
Each state has it's own insurance regulations so this may vary from state to state, but generally you will find that you have 2 years from the date of loss to file a property claim.
If your income tax return was filed correctly with all of the necessary required documentation and the IRS is satisfied then your tax credit will be issued to you. The IRS would be the only one that might be able to give you a date of when your tax credit will be sent to you.