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Read your governing documents to determine the steps listed there that the board must take and can take, to collect your past-due and unpaid assessments.

Here's a typical scenario:

  • When you purchased your residence, you promised in writing to pay your assessments.
  • When you don't pay, your association is required to pursue you for collection of the debt.
  • You receive formal notices detailing your debt and accruing penalties and legal expenses.
  • The association may have already filed a lien against your title, which clouds the title, so that you cannot sell or borrow money against it until the lien is lifted.
  • A final resort is to sell your residence, in which case the unpaid assessments may have a priority over your mortgage insofar as distribution of the proceeds are concerned.

It's a good idea to pay your assessments. They cover the operational expenses of the community. Not paying them means that you continue to enjoy the amenities you share with all owners in the community while requiring your neighbors to pay for your enjoyment of them.

No one will be 'happy' if your residence is sold on the courthouse steps -- if that's the route taken -- the association will get its money, however, which you owe and which you promised to pay.

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Q: What steps must a housing association take before they sell my condo at the courthouse due to unpaid dues?
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