Most of our situations are unique to our location and circumstances. I'll offer one thought to those dealing with an HOA. Do some research and give thought to your response before either ignoring it, or telling them to pound sand. Laws vary regarding HOA authority, and actions they can take. I believe that most states grant the right of recording a lien by the HOA, and, with court approval, can institute foreclosure under the lien. This is usually subject to existing mortgages on record. But, and here is where it gets scary, some states grant a super priority lien position to the HOA, giving it the ability to be a huge issue. A senior mortgagee would probably step in and satisfy the HOA before allowing it's lien to be wiped out, but it would probably also place the home owner's mortgage in default. So, it's worth a call to your lawyer.
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