Homeowners' Associations (HOAs) and CC&Rs: Know What You're Getting Into

When you buy a house in a new subdivision or planned unit development, you may be subject to a host of rules and regulations.

Homeowners Association Super Liens

In some states, homeowner association liens are given special status, called super liens.

What Are Covenants, Conditions & Restrictions (CC&Rs) in HOAs

If you live in a condo, townhome, or house that's part of a homeowner's association, you'll be subject to the rules in the Declaration of Covenants, Conditions, and Restrictions (CC&Rs;).

What Are HOA Assessments?

If you live in a planned community, such as a condo or townhome, you may have to pay special HOA assessments in addition to monthly HOA fees.

HOA Liens & Foreclosures: An Overview

If you don't pay homeowners' association dues or assessments, the HOA can foreclose. Learn more.

Defenses to an HOA Foreclosure

If your homeowners' association initiates a foreclosure of your home, you might have a defense.

Right of Redemption Following an HOA Foreclosure

If you don't pay homeowner's association (HOA) dues or assessments, the HOA can foreclose on your home, condo, or townhome.

Homeowners Association (HOA) Laws in Colorado

Laws in Colorado provide protection for homeowners association (HOA) residents in regard to debt collection, foreclosure, and landscaping.

HOA Dues in Chapter 13 Bankruptcy

Here's how homeowners association fees are treated in Chapter 13 bankruptcy.

Can I Discharge HOA Dues in Chapter 7 Bankruptcy?

What happens to HOA dues in Chapter 7 bankruptcy depends on whether you plan to keep or surrender your home.

I'm behind in HOA dues but not my mortgage. Can the HOA foreclose?

If you get behind in HOA dues, you might lose your home to foreclosure—even if you're current on your mortgage.

What happens to my mortgages if the HOA forecloses its lien?

If you own a home that's part of a homeowners' association (HOA) and fall behind in your HOA dues or assessments, the HOA can foreclose its lien.

If I don't pay HOA assessments, can my HOA charge fees or penalties?

Find the answer here.

If I stop paying HOA dues, what collection methods can the homeowners association use?

Find the answer here.

What's the Difference Between Homeowners' Association (HOA) Bylaws and CC&Rs?

If you buy a home (such as a single-family house) in a planned, covenanted community, you will most likely be required to be part of a homeowners’ association (HOA).

How Much Will an HOA Foreclosure Hurt My Credit Score?

Failing to pay your HOA dues and going through foreclosure will very likely result in credit damage.