Your association placed a lien on your property based on your failure to pay your assessments.
The easiest way for you to clear the lien is to pay the debt you owe and ask the association to release the lien.
(Assessments pay for the maintenance of the property that you own together with all the other owners in the association. You agreed to pay assessments when you purchased your property.)
Your board has attempted to collect your unpaid assessments, and is chartered by your governing documents to collect this debt.
The lien clouds the title to your property, so you will have trouble selling it without paying the debt and authorizing the association to release the lien.
A clouded title can become problematic should you desire to refinance your home, take out another mortgage on it or otherwise use your title as collateral. In addition, a lien against your property will probably appear on your credit report.
Some associations can also foreclose on your property and sell it to satisfy the debt that you owe. Your governing documents will clarify where in the collection process, filing a lien might be positioned.
Association counsel -- or the attorney who help the association place the lien, can help you release it, or instruct the owner as to how to go about this action.
An assessment lien is a legal claim on an owners property for collateral against delinquent assessments for a homeowners' association. They are provided for in the governing documents of an association.
If you are the seller, notice that the lien must be satisfied before title can be transferred to a new owner. If you are a buyer, notice that the lien must be paid -- thus affecting the amount of your new equity, before title is transferred.
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.
If the homeowners' association has recorded covenants and/or bylaws against the home in question, and the dues required by the covenants and/or bylaws have not been paid, a lien can be filed immediately in most cases, regardless of foreclosure or sale of the property. However, to ensure that the lien paperwork is filled out correctly (and avoid thousands of dollars in attorney fees should the homeowner challenge the lien in court), the homeowners' association should hire an attorney to prepare the lien documents.
Generally, based on the expense of filing a lien, and the potential that the association may not recover those costs, best practices dictate that the amount by substantial, or a significant portion of the association's budgeted income. There is no standard amount.
Your association counsel is best prepared to help you answer this specific question.
If your assessments and dues were overdue when you paid them and if the homeowners association has the right to assess overdue fines then the answer is yes.
No. Liens are a legal specialty and best practices dictate that you work with association counsel to file the proper lien, properly, to maximize the association's chances that it can recover money from this action. An improperly filed, improper lien may afford the debtor defense against your claim.
Apparently the association owes a debt over which a lien has been filed. Effectively, the lien can cloud the title of all the units/ homes in the association. It is in the best interests of all the members and of the association's board to settle this matter quickly and file a release of the lien.
Best practices dictate that you take the lien filed against the vehicle to an association-savvy attorney and request guidance.
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