In any state, an association can file a lien on a property, usually as a last resort, in order to collect unpaid monies owed to the association by the owner.
Read your governing documents to determine the steps the association must take in advance of filing a lien -- the owner is owed due process -- and these steps are set out there.
When it's appropriate, work with your association-savvy attorney to file the proper type of lien on the title for the amount owed, including interests and fees.
A homeowners association cannot be a mandatory association without the consent of 100% of the property owners in the development attempting to establish an association. In addition to the consent of the property owners, the association must follow certain procedures and file the proper documents in order to subject the property to the association's rule.
Generally, yes, especially if the association is any kind of corporation.
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.
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.
Generally, the association will work with its counsel to file a lien on your property that you own within the association.
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.
In any state, an association can file a lien on a property, usually as a last resort, in order to collect unpaid monies owed to the association by the owner. Read your governing documents to determine the steps the association must take in advance of filing a lien -- the owner is owed due process -- and these steps are set out there. When it's appropriate, work with your association-savvy attorney to file the proper type of lien on the title for the amount owed, including interests and fees.
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.
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.
No. For one thing you don't sue the insurance company you file suit against the homeowners association. It is doubtful that you will have any claim unless you can prove that they did something negligently that caused the damage on your property. Really you should have had a flood policy if you are in a flood zone or low area and that would pay for your property damage. I also don't understand how the stream runs under your home.
Your association is probably a corporation of some kind: non-profit, for example. Your taxes are filed as a corporation, if you are one, under the proper designation for the type of corporation you are. Your association's attorney can help you discover what type you are, in your governing documents, or on file with the local hall of records.
A local realtor may be able to help you. As well, associations that are corporations file details annually with the Secretary of State.