HOA debt · Beverly Hills
HOA Debt and Liens in Beverly Hills: Stop Collection and Keep Your Home
HOA debt and liens in Beverly Hills can lead to foreclosure on your condo or home, but a bankruptcy filing stops HOA collection right away. If your association has recorded a lien or scheduled a sale, call (310) 362-9071 for a free consultation.
- Filing stops HOA collection and sales
- Chapter 13 can repay past-due dues over time
- Dues that come due after filing are still owed
Signs the HOA problem is getting serious
- Late fees and collection costs are growing faster than the dues
- The HOA has recorded a lien against your unit
- You received notice of a trustee's sale from the association
- A special assessment is more than you can pay
How we handle HOA debt, step by step
- Get the ledger. We request the HOA's account history and check that fees and costs are allowed.
- Check the sale status. If a sale is scheduled, we plan the filing around it.
- Choose the chapter. Chapter 13 is usually the tool to keep the home and repay the arrears.
- File and stop collection. The HOA must stop its lien and sale process.
- Stay current going forward. Dues that come due after filing must be paid while you own the unit.
Cost and timeline
You get our fee in writing at the consultation. HOA cases are often Chapter 13, which has a different fee than Chapter 7.
Collection stops the day we file. Past-due dues are repaid over the 3 to 5 year plan.
HOA collection in California
California's Davis-Stirling Act controls how associations collect. Before foreclosing for unpaid assessments, an HOA must follow notice steps, offer to meet and confer, and meet minimum thresholds for the amount or age of the debt. After an HOA sale, you may have a right to redeem the home for a period of time.
Your bankruptcy is filed in the Los Angeles Division of the U.S. Bankruptcy Court, Central District of California, at 255 East Temple Street. The HOA files a claim for the past-due amount, which we review.
Mistakes to avoid
- Paying the mortgage but not the HOA. The HOA can foreclose too.
- Ignoring the meet-and-confer offer. It can lead to a payment plan.
- Stopping dues after filing. New dues are not discharged while you own the unit.
Related services
If your lender has also started foreclosure, read how to stop foreclosure in Beverly Hills. After your case, see rebuilding credit after bankruptcy.
HOA debt questions
Can my HOA foreclose on my home in California?
Yes, your HOA can foreclose on your home in California for unpaid assessments once the debt meets legal thresholds and the association follows required notice steps. Fines alone usually cannot be the basis for foreclosure.
Does bankruptcy wipe out past-due HOA dues?
Bankruptcy can discharge your personal liability for HOA dues owed before filing, but a recorded lien may stay on the property. Chapter 13 lets you repay the arrears and keep the home.
Do I have to keep paying HOA dues after I file?
Yes, you have to keep paying HOA dues that come due after you file, as long as you own the unit. Those new dues are not discharged.
What if I want to give the condo back?
If you want to give the condo back, you still owe dues until the title changes hands. We plan the timing so new dues do not pile up after your case.
Free consultation
Stop the HOA from taking your home
Call (310) 362-9071 or send the form. Have any lien or sale notice from the HOA ready.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.