HOA / Condo Association Foreclosure
In Florida, homeowners and condo associations can place a lien for unpaid assessments and foreclose on that lien. It surprises many owners, but it's taken seriously by the courts.
How it usually unfolds
- Late notices and fees for missed assessments
- A notice of intent to record a lien (generally at least 30 days)
- A recorded claim of lien
- A notice of intent to foreclose (generally at least 45 days)
- A foreclosure lawsuit
What helps
Contact the association or its management company early and ask for a written payment plan. Dispute any charges you believe are wrong in writing.
Association foreclosures often involve much smaller amounts than mortgages, so resolving them early can save significant legal fees.
Keep exploring
Behind on Mortgage Payments
Missed one or more payments? This is the stage with the most options.
Learn moreReceived a Notice of Default or Demand Letter
A breach or demand letter means the lender is preparing for the next step.
Learn moreServed With Foreclosure Papers
A summons and complaint start the court case. Deadlines now matter.
Learn moreYou don't have to figure this out alone
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