HOA & Tax Liens
Delinquent HOA assessments and unpaid tax debts can both cloud your title and force a sale. We monitor court filings, negotiate payment plans, and lay out every realistic option—starting with a 100% free consultation.
HOA & COA Liens
If you fall behind on homeowners' association (HOA) or condominium owners' association (COA) assessments, your association can place a lien on your property and foreclose. An assessment lien clouds your title—hindering your ability to sell or refinance—and the property can be foreclosed to force a sale to a new owner.
As part of our service, we monitor court filings and offer suggestions to stop foreclosures. The key indicators we watch are the official notice opening the foreclosure (lis pendens), the entry of default, the judgment and decree of foreclosure, a praecipe, and finally the notice of sheriff sale.
1. Contact the foreclosing attorney first. Propose a payment plan. As long as the total owed isn't too high, most law offices and HOAs will approve one—improve your odds by also proposing a down payment. Note that most firms add roughly $3,000–$5,000 in attorney fees on top of what's owed.
2. The attorney proposes the plan to the HOA. Final approval happens at a board meeting—bi-weekly, monthly, or quarterly—so this can take several weeks to several months.
3. A stipulated judgment holds the case open. Once approved, the case shows a stipulated judgment that holds the foreclosure open until the balance is satisfied. Miss a payment and the HOA can continue foreclosing without opening a new case.
4. If a plan won't work, sell before they foreclose. Not ideal—but if the property goes to sheriff's sale it will be sold. Redeeming it later means paying what the buyer paid plus interest, usually a much higher figure. Being proactive saves time and court fees.
Filing a response with the court often just costs the homeowner more in legal fees without slowing the foreclosure. That's why our guidance focuses on the moves that actually change outcomes.
Tax Liens
Homeowners can easily find themselves facing a tax-lien foreclosure. As specialists in tax-delinquent real estate, our advisors work directly with homeowners to stop tax-lien foreclosures, pay delinquent tax bills, and—where possible—save them from losing their homes at tax auction.
What is a tax lien? When a property owner does not pay a tax debt, the IRS may impose a tax lien on the taxpayer's property. The lien is public information, gives the government a right to the property or sale proceeds, and the IRS can seize and sell the property.
A federal lien attaches to all current and future assets while it's in place, with vague wording covering everything of value:
Some homeowners want to catch up their own property taxes to stop foreclosure—and we're happy to help in any way. If you're facing a tax lien, you need answers you can count on without paying to get them. That's why our consultation is 100% free.
Schedule a free, confidential consultation. We review your specific situation, explain your realistic options, and help you understand what's actually possible. No sales pressure. No hidden fees. No obligation.
