Condominium Owners' Association (COAs)
If you live in a condominium complex, you'll most likely have to pay regular fees to your condominium owners' association (COA). Failure to pay these dues could result in the COA foreclosing on your unit.
Many states have specific laws that govern COA foreclosures. These laws vary from state to state, but they generally explain what charges are allowable as part of a COA lien and foreclosure procedures for COA liens. For instance, under North Carolina law, if the lien consists solely of fines, interest on unpaid fines, or attorneys' fees incurred solely associated with fines, a COA must file a lawsuit to foreclose. In Wisconsin, a COA must foreclose within three years after recording its statement of condominium lien.
Some states put monetary restrictions on COA foreclosures. For example, in Georgia, an HOA or COA lien foreclosure isn't permitted unless the lien amount is at least $2,000.
If you own a condo, you should learn about your rights and the applicable laws in your state regarding COA foreclosures—especially if you're behind in paying your condo fees.
Below, you'll find articles on COA foreclosure laws in major U.S. states.
Florida
Georgia
Illinois
Kentucky
Louisiana
Maryland
Massachusetts
Missouri
New Hampshire
New Jersey
New York
North Carolina
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin
Foreclosure Laws for Condominium Owners' Associations in Major States
Below, you'll find articles on COA foreclosure laws in major U.S. states.
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