Yes. If you live in a community that is part of a homeowners' association (HOA) and fall behind in your HOA dues or assessments, the HOA most likely will be able to charge you additional fees and/or penalties.
The type and amount of fees and penalties that are permissible will depend on the laws of your state and the terms of the HOA’s governing documents, such as the bylaws and the Declaration of Covenants, Conditions, and Restrictions (CC&Rs).
Generally, if you don’t pay your HOA assessments, the association may charge you for:
When you purchase a home in a covenanted community, you should be sure to read the HOA governing documents—as well as review your state’s laws—so you know what kind of fees and penalties the association can charge you if you don’t keep up with the assessments. (To learn more about how to do your own legal research, see Nolo’s Laws and Legal Research section.)
Once you become delinquent in assessments and various fees and penalties have been imposed, the HOA will likely pursue whatever legal means are necessary and available to collect this debt. This means that if you don’t pay up, the HOA may:
If you're facing a potential HOA foreclosure, consider talking to a foreclosure attorney to learn about different options for your particular situation.