WHAT DO YOU THINK ABOUT HOA’S FORECLOSING ON PEOPLE WITH PROBLEMS PAYING?
BY: LITIGATION DESK | BocaNewsNow.com
DELRAY BEACH, FL (BocaNewsNow.com) (Copyright © 2023 MetroDesk Media, LLC) — A Delray Beach condominium owner is the latest South Palm Beach County resident to learn that if you live in community with an association, you need to pay the association.
Nan Chort, of the 2400 block of Lindell Boulevard, allegedly owes Delray Racquet Club Association $5265. While that amount may seem small in the world of South Palm Beach County living, the Association wants it — and wants it now. After apparently asking several times — in the way of legal letters — the community filed a lien of foreclosure with the Palm Beach County Circuit Court clerk.
According to the complaint, Chort did not pay, or slow-paid, quarterly assessments starting in April of 2022. Payments were logged as “non-sufficient funds” for April through July of this year. Among the fees owed: legal fees to Wasserstein, P.A., the Boca Raton Law Firm hired by the Association to collect the past due amount. The legal fees: $1,315.
What do you think about Homeowner and Condo Owner Associations foreclosing on property owners who can’t make payments on time in South Florida? Share your thoughts, below.
65 responses to “Delray Beach HOA Files Foreclosure Complaint Over $5200”
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on time? maybe allow them some reasonable flexibility. Things are tough out here. Learn your lesson, next time vote for a republican
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Republicans are nothing but lawbreakers and liars. Why the hell would anyone even be a republican?
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Actually that both, but demorats more
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Schmuck- how do you know she is a Republican?
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Since when is it the responsibility of everyone else to pay for people who stop paying. As Hubert Humphrey said”there is no “free lunch” someone is paying for it.
In the end, the Association, which is real people get screwed. Don’t pretend no one pays.
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As an HOA member and resident I totally understand the plight
However we are all struggling in the present economic situation and why should I scrimp and save to pay my HOA fees and this woman doesn’t ?
The legal fees and the time that’s spent trying to be bill collectors is really unwarranted. Unfortunately I will have to sell myself because not if the tax increases and Hoa increases but the Home owners insurance just tripled . As a retired person past the age of ever thinking about employment where’s the money coming from ?
Sad but true , if you can’t afford the home you’re in you have to move -
As long as the HOA has a lien on the property, there is little likelihood that they won’t eventually get paid. The owner does seem to be making an effort to make some payments. Of course, we don’t know the whole story so we shouldn’t be quick to judge.
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Most communities give a leeway I’m on a board and after many monthIs if the owner is not in good faith trying to work it out it’s not fair for the rest of the community to carry that burden
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Agree! Please ask Biden for the money. Biden promised his voters free everything. HOAs are power hungry over charging maniacs. We continue to allow it so the Wasserstein type law firms get rich. You are literally paying the lawyer to sue you.
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Your post is really quite dumb actually. Don’t go blaming the man in office when folks can’t pay their bills. Go to work like the rest of us who have bills to pay, don’t rely on the government. But not paying your legal obligation is totally wrong so I agree that getting a lawyer involved is the only way to get paid.
But please Patriot, leave politics out of this because it’s not germane to the discussion!! -
That’s a childish answer
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👍
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Florida did vote Republican Richard and DeSantis and his cronies sold out constituents to their Insurance Company benefactors. Now he won’t accept federal consumer tax credits for energy efficient appliances. Wow, glad he is working for Florida.
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Aren’t Federal credits deducted from one’s tax bill? What do they have to do with the governor? Sounds to me like you are taking a cheap shot that is not accurate. Something that we see the mass media do frequently.
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The law firms ad ons and their unwillingness to work with owners is one of the major problems for delinquent homeowners. HOAs are complicit. Time to fix the problem.
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If the HOA doesn’t receive homeowners fees, assessments, etc. then they can’t pay the HOA’s bills. It’s not as simple as just forgiving debt or allowing late payments.
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Exactly
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Rich & Max, voting for a rethuglican won’t change the situation one bit so why bring politics into this discussion? We all have bills to pay and this particular person needs to go to work & pay her bills. It’s really very simple…rely on yourself to pay your bills which means going to work!
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OMG flexibility . Yes!
Please please STOP with the blame game. Her current situation has NOTHING to do with republicans or democrats!
NOTHING .
For your information how ever the Governor and HIS legislature of the state of FLORIDA has been controlled by YOUR republicans for a very long time!
THEY, while hurriedly passing laws letting the governor LEAVE our state , with pay, instead of WORKING at his desk, costing his boss, AKA , the people of FLORIDA millions in extra security and travel expenses, letting our insurance policies go through the roof, denying expansion of Medicare and Medicaid, returning more than 350MILLION DOLLARS TO WASHINGTON THAT WAS PURPOSELY MEANT FOR THE RESIDENTS OF FLORIDA TO HELP THEM SAVE ENERGY. THE LIST IS TOO LONG.. THEY COULD HAVE PASSED LAWS TO HELP PEOPLE IN HER SITUATION!!!!!
THEY HAVE NOT SIR!
THEY are too busy using their religious beliefs to control others, not passing laws to protect us from criminals, and stop the carnage on our roads and of course corrupt the word FREEDOM while curtailing freedom in people’s lives. They pander to corporate lobbyists except if your symbol is a mouse who DARED to use its first amendment right!
Once again, Americans are screaming about their horror re sex education and images of the naked human body while they SAY NOTHING about movies etc that show countless acts of murder, and other violence , movies encouraging dangerous , illegal use of vehicules
( Fast and Furious)
And sir your republicans chanting their legendary pious morals from the rooftops DO NOTHING FOR THE AVERAGE JOE!
I’m NOT a Dem or Lib
I am an American sick of the myopic views such as yours!
So if anyone is to blame for this lady having issues paying her rightly due HOA fees it’s YOU and your fellow republicans who could do something to help her bot refuse to do so because you’re too busy banning books, and denying Our country’s history , and actually passing laws that help MOST OF US instead of the religious right!
Send her some of your $$ instead of to your republican rubes!-
Right on Michael …you said it exactly how most of feel and the Republicans who voted for Desantis got what they deserved also hurting the rest of us for the political gain if a man who would destroy this country if elected president …shame on republicans!!!!
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I think people should be held responsible to keep up to date with HOA fees. By not paying they are hurting the financial stability of their community and indirectly effecting their neighbors when there will not be enough funds to cover emergencies. If a resident doesn’t like the terms of living in a HOA they should move out or in the case of foreclosure be thrown out.
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It is understood when you buy a property in an HOA community.
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You are Heartless and a Fool!! There are so many reasons why a person can’t pay their Fees. You would rather throw them out in the street than find out why they can’t pay!! Their Spouse died and they now have overwhelming bills. Hospital bills are that are so high they can’t pay them. Single living on Social Security and can’t afford THEIR OUTRAGOUS HOA FEES!! They don’t improve anything but cut back on services that once were free that now you have to pay for. The fact that someone can’t pay their fees has NO IMPACT on you and your MONEY!! Climb down off your High Horse and stop making judgment on people you don’t even know or care about!!
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Agrees
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AMEN. Delinquent HOA fees hurt the entire community. If you can’t afford the fees then move out. Amazing how many people on this thread expect everything for free. Anything you get for free someone else paid for. Foreclose.
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I’m sickened by many comments . Nice honest people can and do run into tough times.
Her HOA has plenty of money in the bank.They are not going broke. She has made some payments in good faith.
They have a lien on her home,so when sold they will get their arrearages, plus interest and her attorney will be paid. We don’t know her whole story but should be thankful that we are not in her situation. Empathy apparently is not one of your virtues.
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If they can’t afford to pay then foreclose on them. I live in a 55 over in Delray Beach and we have people who don’t want to pay and it makes it tough for those who do pay. So I say FORCLOSE!!!
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Circumstances should play into this problem. You have a Dr. Before your name so finances have probably had no affect on you. How about someone gets laid off and has to collect unemployment insurance. Florida has one of the worst unemployment payments in the country. You probably couldn’t even manage buying food with what they pay.
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Residents who can’t or won’t pay place a major burden on the Association Their neighbors ultimately will need to pick up their slack as Associations typically zero budget and shortfalls in collections this year will result in higher HOA or Condo maintenance fees in the following year. The market is good right now, sell and move to a more affordable place
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Absolutely
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HOA dues are a real liability for homeowners. HOA must foreclose if funds are not paid by homeowners . The homeowners association MUST foreclose on all delinquent homeowners. That is the law. Also the HOA must sent a legal example to all others who are delinquent.
Try to set up a re-payment program by HOA WHENEVER possible.-
Wow. People are harsh. I chose to think with an open mind. I live by the IDK philosophy. I don’t know if this owner is not paying to be spiteful or greedy or if they are suffering from illness, depression or had severe financial setbacks. I’d like to see programs for people in need to restructure their payments. A little grace and compassion may be in order.
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There are many fixed expenses for the hoa or condo association. If you do not pay then the rest of the members have to pay more. Foreclosure is the only way to force the person to pay or loose their residence. Some people are just deadbeats
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Agree 100%
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Codi,
You are 100% on target. I’m SMH from the lack of compassion from others. As an HOA homeowner, I understand the principle of equitable treatment. But there needs to be arrangements for people undergoing disruptive financial situations.
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Thank you
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Again, it’s not that simple. I’ll give a real life example. We had an order from a structural engineer to replace a cabana at our pool at a fairly high cost. A contract was signed to complete the work. Thus the HOA was under a legal obligation to pay the contractor. How much leeway can be allowed if people don’t pay fees or assessments? We try to work with people but at the end of the day the HOA has to pay their, which includes the residents, bills.
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👍as for repayment plan, wouldn’t that amount to the HOA being a lender? Is that even permitted (under HOA laws in Florida)? Would a commercial lender approve such a loan for the delinquent resident? I doubt the board of any HOA has the authority to do that.
I understand that there are hardship circumstances that can create a serious financial impact on a homeowner, but that homeowner still has the responsibilty to pay. I expect there are social services that can assist perhaps.
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This has happened to our home. We tried to work with the HOA make a extra amount to try to catch up on payments. I had big time personal problems, and was trying to catch up. But the HOA wanted it all…threatened forclosing on home, a lien was put on it,etc…I had no choice claimed bankrupcy, and now the HOA will wait 5 years for the money. It cost for a lawyer, court cost, but we now have piece of mind my house is safe for 5 years. By then we will sell and move. Its not for everyone what I did, but my mind is at peace. HOA’s need to work more with their residents. I see the State coming in to control the HOA’s …
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That’s a shame for your neighborhood and a cowards way out of your responsibility
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When someone buys into an HOA community, they are informed of the dues that will be owed to the Community Association for such things as amenities, community upkeep, etc. Each homeowner has a responsibility to pay their dues as it supports the whole community. If a homeowner has an unexpected financial issue, most HOA’s will work with the homeowner to help them pay their community obligation. You just don’t stop paying. That hurts everyone in the community. Paying your HOA dues is no different than making your car payment. If don’t make the payment, the lender will give you notice that you are behind and if you ignore that, they will retrieve the car. Your HOA dues are your responsibility, if you do not meet that responsibility, the HOA will foreclose on your property as that is their remedy.
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It does get a little bit difficult and strenuous to some of our seniors in Boca area when hoa’s are raised significantly. Car payments differ they are stable and you understand the payment, rate & structure.
808 payments along the coast have doubled over the last 10 years. And in some cases risen significantly higher as well as there have been several assessments that also have a significant impact. Although I do believe in managing the HOA properly and professionally, times are tough and getting tougher under the Biden administration. It’s Bidinflation…-
Actually for blame, look back to trump and tax breaks for the top 1%, as well as a completely mismanaged Pandemic. You remember, it’s only a few cases, soon it’ll be zero?? He lied, people died, people suffered, and are still trying to recover. trump’s nothing but a grifter, a fraud, cares only about himself.
Yes, people need to pay but Association’s need to work with owners.
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I think it’s brilliant. HOAs are not in the business of lending.
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Foreclosure is a step to far as HOA mgt companies that run them (co-partner or something developing in the underbelly of that machine) are getting a little too greedy in some cases.
A lien on a house/ condo should seem sufficient for when it is sold.
I don’t think they should have foreclosure power. -
You know when you purchase in the community what the financial obligations are.
Foreclose on those that don’t pay otherwise the rest of your community has to pick up the slack-
Spot on.
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So the HOA forecloses. Regardless of the circumstances of the owner. Then the property goes to the county for a foreclosure sale. The property is worth $300,000 The HOA is owed $5,000. Broward county for instance only allows people with cash to buy foreclosures. So one of the vultures out there is able to pick up the $300,000 foreclosure for a hundred grand, Tell me that’s okay
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Not true
Know your laws
In Palm Beach county people buy a two year lien
If in that two years the dues or any other lien is paid the owners get the lien released
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What if no one paid? It is unfortunate but must be done for the stability of the community
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Well said.
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Why is this different from any other creditor? If you don’t pay your obligations there are consequences. Yes, there are extenuating circumstances at times, but, your association cannot from a fiduciary perspective ignore the by-laws, not to mention setting a precedent for others who don’t pay. Is it fair for other members of the hoa to subsidize non-paying members? All good things to ponder.
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If you can’t afford to live in the community you are living in, find other living conditions. It’s obvious with what is going on in the 55+ communities that there will be heavy increases. Now is the time to move on to someplace you can afford. I worked hard all my life for my money – not to share it because of you.
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Old crabby people from the northeast. Don’t give a damn and comment about things they have no details about. Don’t comment until you know both sides of the story.
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I live in an HOA community and its understood that you must pay the HOA dues. I had an issue with my siding. It got damaged due Windows being put in. Well I knew if I did not have this fixed, I would have an HOA problem, so luckily I found someone that could fix it. It was 5450.00 to replace the damaged siding. It is what it is. You have to do what is necessary. It was just good that I had the money. Yes I was upset but you have to do what you have to do.
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Its pretty easy- if you are more than 3 months late it gets nasty. Florida makes the process hard to file a lien but it can happen after a while and stays until paid off, with penalties and interest. Hoa budgets dont have a lot of fat usually so it hurts everyone if one or more dont pay their fair share
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There’s little choice to be part of an HOA. Only two or three that do NOT have an HOA. It’s ridiculous. Don’t tell people to go where there isn’t one, because they exist everywhere. HOA has more power than the government with no checks or balances. They’re a cancer and deserve to die.
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The real problem is with these Board of Directors. They want to spend, spend, & spend. They act like it’s free money because the owners’ have to pay no matter what. They know that most owners’ don’t pay enough attention to the budget and what is being spent, so they just spend, spend spend!
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I have lived in Florida for 42 years and almost all of them been in HOA communities. During the financial crisis in 2008 many people in our community were not paying there HOA fees. Every person that does not pay puts a burden on every other member of the community. The most most blatant ed example was cable tv contract that the HOA negotiated to give homeowners a break on cable fees. Worked fine when people were paying. However, when people stopped paying they were getting cable for free. The cable signs a contract with the HOA for the community. They do not cut off individual homes who to not pay HOA fees. Our HOA decided not to renew the cable contract and let everyone deal with the cable providers on their own. Do you want to pay for your neighbors cable? Probably not. A good HOA is worth their weight in gold. Foreclosure is a last resort but it is the a necessary tool.
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Exactly and their water and sewer bills and Garbage pick up
So basically they are getting everything free while the rest of us pay 🫤
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This happened to me when the Boca Del Mar master association didn’t get their $160 out of me. I never received the bill! These jerks hired a law firm for $3000 just to get $160 out of me and then threatened to foreclose on me. That should be criminal.
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Folks need to stop making every issue political…it’s getting very tedious to say the least. In life, best to pay your bills & follow the rules in place. no one likes paying bills but they are a part of life and as adults, we need to understand it. Get a job and if retired, budget your funds so you have enough to pay all your bills, it’s really quite simple. And if you can’t afford where you live, find a cheaper place. Time we all take personal responsibility for our lives and not blame it all on politicians or anyone else!!
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Republican or Democrat, it doesn’t matter .. .. I’m quite sure every single one of you have read the VERIFIED COMPLAINT TO FORECLOSE, and know for sure it’s the homeowner that is at fault, right? You know for sure the problem isn’t with the Board or the HOA, correct? You know for sure her HOA dues aren’t escrowed, right? If the homeowner is behind in their mortgage and the bank/servicer is attempting to foreclose the bank/servicer is automatically responsible for HOA dues, homeowners insurance, & property taxes these payments are no longer accepted from the owner until the case is resolved, but you know all of that, correct? Please don’t speculate and assume you know all the facts and circumstances. I’m a victim of a wrongful foreclosure, eviction, etc. I realize I’m the only person this has ever happened to, but shockingly, my HOA placed a roof assessment on the owners during the pending case ($10,000 for my unit) which was paid by the servicer THE BOARD IS CHARGING ME AS WELL, because their books are right up to snuff. My deed was forged and assigned from servicer to servicer more times than I can count, rejected by the property appraiser, the foreclose mill just recorded a QCD. I pray all you legal eagles out there that are so fucking quick to point fingers never ever have to face this nightmare.
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Amen, Ginger! And “blessings” to you on this fine day!
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Why did you have to print this unfortunate person’s name? And is this really newsworthy? Jesus said, “Let he who is without sin cast the first stone.” So much hatred in this world — and I’m not sure why this “newspaper” is doing this except for reader clicks.
on time? maybe allow them some reasonable flexibility. Things are tough out here. Learn your lesson, next time vote for a republican
Republicans are nothing but lawbreakers and liars. Why the hell would anyone even be a republican?
Actually that both, but demorats more
Schmuck- how do you know she is a Republican?
Since when is it the responsibility of everyone else to pay for people who stop paying. As Hubert Humphrey said”there is no “free lunch” someone is paying for it.
In the end, the Association, which is real people get screwed. Don’t pretend no one pays.
As an HOA member and resident I totally understand the plight
However we are all struggling in the present economic situation and why should I scrimp and save to pay my HOA fees and this woman doesn’t ?
The legal fees and the time that’s spent trying to be bill collectors is really unwarranted. Unfortunately I will have to sell myself because not if the tax increases and Hoa increases but the Home owners insurance just tripled . As a retired person past the age of ever thinking about employment where’s the money coming from ?
Sad but true , if you can’t afford the home you’re in you have to move
As long as the HOA has a lien on the property, there is little likelihood that they won’t eventually get paid. The owner does seem to be making an effort to make some payments. Of course, we don’t know the whole story so we shouldn’t be quick to judge.
Most communities give a leeway I’m on a board and after many monthIs if the owner is not in good faith trying to work it out it’s not fair for the rest of the community to carry that burden
Agree! Please ask Biden for the money. Biden promised his voters free everything. HOAs are power hungry over charging maniacs. We continue to allow it so the Wasserstein type law firms get rich. You are literally paying the lawyer to sue you.
Your post is really quite dumb actually. Don’t go blaming the man in office when folks can’t pay their bills. Go to work like the rest of us who have bills to pay, don’t rely on the government. But not paying your legal obligation is totally wrong so I agree that getting a lawyer involved is the only way to get paid.
But please Patriot, leave politics out of this because it’s not germane to the discussion!!
That’s a childish answer
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Florida did vote Republican Richard and DeSantis and his cronies sold out constituents to their Insurance Company benefactors. Now he won’t accept federal consumer tax credits for energy efficient appliances. Wow, glad he is working for Florida.
Aren’t Federal credits deducted from one’s tax bill? What do they have to do with the governor? Sounds to me like you are taking a cheap shot that is not accurate. Something that we see the mass media do frequently.
The law firms ad ons and their unwillingness to work with owners is one of the major problems for delinquent homeowners. HOAs are complicit. Time to fix the problem.
If the HOA doesn’t receive homeowners fees, assessments, etc. then they can’t pay the HOA’s bills. It’s not as simple as just forgiving debt or allowing late payments.
Exactly
Rich & Max, voting for a rethuglican won’t change the situation one bit so why bring politics into this discussion? We all have bills to pay and this particular person needs to go to work & pay her bills. It’s really very simple…rely on yourself to pay your bills which means going to work!
OMG flexibility . Yes!
Please please STOP with the blame game. Her current situation has NOTHING to do with republicans or democrats!
NOTHING .
For your information how ever the Governor and HIS legislature of the state of FLORIDA has been controlled by YOUR republicans for a very long time!
THEY, while hurriedly passing laws letting the governor LEAVE our state , with pay, instead of WORKING at his desk, costing his boss, AKA , the people of FLORIDA millions in extra security and travel expenses, letting our insurance policies go through the roof, denying expansion of Medicare and Medicaid, returning more than 350MILLION DOLLARS TO WASHINGTON THAT WAS PURPOSELY MEANT FOR THE RESIDENTS OF FLORIDA TO HELP THEM SAVE ENERGY. THE LIST IS TOO LONG.. THEY COULD HAVE PASSED LAWS TO HELP PEOPLE IN HER SITUATION!!!!!
THEY HAVE NOT SIR!
THEY are too busy using their religious beliefs to control others, not passing laws to protect us from criminals, and stop the carnage on our roads and of course corrupt the word FREEDOM while curtailing freedom in people’s lives. They pander to corporate lobbyists except if your symbol is a mouse who DARED to use its first amendment right!
Once again, Americans are screaming about their horror re sex education and images of the naked human body while they SAY NOTHING about movies etc that show countless acts of murder, and other violence , movies encouraging dangerous , illegal use of vehicules
( Fast and Furious)
And sir your republicans chanting their legendary pious morals from the rooftops DO NOTHING FOR THE AVERAGE JOE!
I’m NOT a Dem or Lib
I am an American sick of the myopic views such as yours!
So if anyone is to blame for this lady having issues paying her rightly due HOA fees it’s YOU and your fellow republicans who could do something to help her bot refuse to do so because you’re too busy banning books, and denying Our country’s history , and actually passing laws that help MOST OF US instead of the religious right!
Send her some of your $$ instead of to your republican rubes!
Right on Michael …you said it exactly how most of feel and the Republicans who voted for Desantis got what they deserved also hurting the rest of us for the political gain if a man who would destroy this country if elected president …shame on republicans!!!!
I think people should be held responsible to keep up to date with HOA fees. By not paying they are hurting the financial stability of their community and indirectly effecting their neighbors when there will not be enough funds to cover emergencies. If a resident doesn’t like the terms of living in a HOA they should move out or in the case of foreclosure be thrown out.
It is understood when you buy a property in an HOA community.
You are Heartless and a Fool!! There are so many reasons why a person can’t pay their Fees. You would rather throw them out in the street than find out why they can’t pay!! Their Spouse died and they now have overwhelming bills. Hospital bills are that are so high they can’t pay them. Single living on Social Security and can’t afford THEIR OUTRAGOUS HOA FEES!! They don’t improve anything but cut back on services that once were free that now you have to pay for. The fact that someone can’t pay their fees has NO IMPACT on you and your MONEY!! Climb down off your High Horse and stop making judgment on people you don’t even know or care about!!
Agrees
AMEN. Delinquent HOA fees hurt the entire community. If you can’t afford the fees then move out. Amazing how many people on this thread expect everything for free. Anything you get for free someone else paid for. Foreclose.
I’m sickened by many comments . Nice honest people can and do run into tough times.
Her HOA has plenty of money in the bank.They are not going broke. She has made some payments in good faith.
They have a lien on her home,so when sold they will get their arrearages, plus interest and her attorney will be paid. We don’t know her whole story but should be thankful that we are not in her situation. Empathy apparently is not one of your virtues.
If they can’t afford to pay then foreclose on them. I live in a 55 over in Delray Beach and we have people who don’t want to pay and it makes it tough for those who do pay. So I say FORCLOSE!!!
Circumstances should play into this problem. You have a Dr. Before your name so finances have probably had no affect on you. How about someone gets laid off and has to collect unemployment insurance. Florida has one of the worst unemployment payments in the country. You probably couldn’t even manage buying food with what they pay.
Residents who can’t or won’t pay place a major burden on the Association Their neighbors ultimately will need to pick up their slack as Associations typically zero budget and shortfalls in collections this year will result in higher HOA or Condo maintenance fees in the following year. The market is good right now, sell and move to a more affordable place
Absolutely
HOA dues are a real liability for homeowners. HOA must foreclose if funds are not paid by homeowners . The homeowners association MUST foreclose on all delinquent homeowners. That is the law. Also the HOA must sent a legal example to all others who are delinquent.
Try to set up a re-payment program by HOA WHENEVER possible.
Wow. People are harsh. I chose to think with an open mind. I live by the IDK philosophy. I don’t know if this owner is not paying to be spiteful or greedy or if they are suffering from illness, depression or had severe financial setbacks. I’d like to see programs for people in need to restructure their payments. A little grace and compassion may be in order.
There are many fixed expenses for the hoa or condo association. If you do not pay then the rest of the members have to pay more. Foreclosure is the only way to force the person to pay or loose their residence. Some people are just deadbeats
Agree 100%
Codi,
You are 100% on target. I’m SMH from the lack of compassion from others. As an HOA homeowner, I understand the principle of equitable treatment. But there needs to be arrangements for people undergoing disruptive financial situations.
Thank you
Again, it’s not that simple. I’ll give a real life example. We had an order from a structural engineer to replace a cabana at our pool at a fairly high cost. A contract was signed to complete the work. Thus the HOA was under a legal obligation to pay the contractor. How much leeway can be allowed if people don’t pay fees or assessments? We try to work with people but at the end of the day the HOA has to pay their, which includes the residents, bills.
👍as for repayment plan, wouldn’t that amount to the HOA being a lender? Is that even permitted (under HOA laws in Florida)? Would a commercial lender approve such a loan for the delinquent resident? I doubt the board of any HOA has the authority to do that.
I understand that there are hardship circumstances that can create a serious financial impact on a homeowner, but that homeowner still has the responsibilty to pay. I expect there are social services that can assist perhaps.
This has happened to our home. We tried to work with the HOA make a extra amount to try to catch up on payments. I had big time personal problems, and was trying to catch up. But the HOA wanted it all…threatened forclosing on home, a lien was put on it,etc…I had no choice claimed bankrupcy, and now the HOA will wait 5 years for the money. It cost for a lawyer, court cost, but we now have piece of mind my house is safe for 5 years. By then we will sell and move. Its not for everyone what I did, but my mind is at peace. HOA’s need to work more with their residents. I see the State coming in to control the HOA’s …
That’s a shame for your neighborhood and a cowards way out of your responsibility
When someone buys into an HOA community, they are informed of the dues that will be owed to the Community Association for such things as amenities, community upkeep, etc. Each homeowner has a responsibility to pay their dues as it supports the whole community. If a homeowner has an unexpected financial issue, most HOA’s will work with the homeowner to help them pay their community obligation. You just don’t stop paying. That hurts everyone in the community. Paying your HOA dues is no different than making your car payment. If don’t make the payment, the lender will give you notice that you are behind and if you ignore that, they will retrieve the car. Your HOA dues are your responsibility, if you do not meet that responsibility, the HOA will foreclose on your property as that is their remedy.
It does get a little bit difficult and strenuous to some of our seniors in Boca area when hoa’s are raised significantly. Car payments differ they are stable and you understand the payment, rate & structure.
808 payments along the coast have doubled over the last 10 years. And in some cases risen significantly higher as well as there have been several assessments that also have a significant impact. Although I do believe in managing the HOA properly and professionally, times are tough and getting tougher under the Biden administration. It’s Bidinflation…
Actually for blame, look back to trump and tax breaks for the top 1%, as well as a completely mismanaged Pandemic. You remember, it’s only a few cases, soon it’ll be zero?? He lied, people died, people suffered, and are still trying to recover. trump’s nothing but a grifter, a fraud, cares only about himself.
Yes, people need to pay but Association’s need to work with owners.
I think it’s brilliant. HOAs are not in the business of lending.
Foreclosure is a step to far as HOA mgt companies that run them (co-partner or something developing in the underbelly of that machine) are getting a little too greedy in some cases.
A lien on a house/ condo should seem sufficient for when it is sold.
I don’t think they should have foreclosure power.
You know when you purchase in the community what the financial obligations are.
Foreclose on those that don’t pay otherwise the rest of your community has to pick up the slack
Spot on.
So the HOA forecloses. Regardless of the circumstances of the owner. Then the property goes to the county for a foreclosure sale. The property is worth $300,000 The HOA is owed $5,000. Broward county for instance only allows people with cash to buy foreclosures. So one of the vultures out there is able to pick up the $300,000 foreclosure for a hundred grand, Tell me that’s okay
Not true
Know your laws
In Palm Beach county people buy a two year lien
If in that two years the dues or any other lien is paid the owners get the lien released
What if no one paid? It is unfortunate but must be done for the stability of the community
Well said.
Why is this different from any other creditor? If you don’t pay your obligations there are consequences. Yes, there are extenuating circumstances at times, but, your association cannot from a fiduciary perspective ignore the by-laws, not to mention setting a precedent for others who don’t pay. Is it fair for other members of the hoa to subsidize non-paying members? All good things to ponder.
If you can’t afford to live in the community you are living in, find other living conditions. It’s obvious with what is going on in the 55+ communities that there will be heavy increases. Now is the time to move on to someplace you can afford. I worked hard all my life for my money – not to share it because of you.
Old crabby people from the northeast. Don’t give a damn and comment about things they have no details about. Don’t comment until you know both sides of the story.
I live in an HOA community and its understood that you must pay the HOA dues. I had an issue with my siding. It got damaged due Windows being put in. Well I knew if I did not have this fixed, I would have an HOA problem, so luckily I found someone that could fix it. It was 5450.00 to replace the damaged siding. It is what it is. You have to do what is necessary. It was just good that I had the money. Yes I was upset but you have to do what you have to do.
Its pretty easy- if you are more than 3 months late it gets nasty. Florida makes the process hard to file a lien but it can happen after a while and stays until paid off, with penalties and interest. Hoa budgets dont have a lot of fat usually so it hurts everyone if one or more dont pay their fair share
There’s little choice to be part of an HOA. Only two or three that do NOT have an HOA. It’s ridiculous. Don’t tell people to go where there isn’t one, because they exist everywhere. HOA has more power than the government with no checks or balances. They’re a cancer and deserve to die.
The real problem is with these Board of Directors. They want to spend, spend, & spend. They act like it’s free money because the owners’ have to pay no matter what. They know that most owners’ don’t pay enough attention to the budget and what is being spent, so they just spend, spend spend!
I have lived in Florida for 42 years and almost all of them been in HOA communities. During the financial crisis in 2008 many people in our community were not paying there HOA fees. Every person that does not pay puts a burden on every other member of the community. The most most blatant ed example was cable tv contract that the HOA negotiated to give homeowners a break on cable fees. Worked fine when people were paying. However, when people stopped paying they were getting cable for free. The cable signs a contract with the HOA for the community. They do not cut off individual homes who to not pay HOA fees. Our HOA decided not to renew the cable contract and let everyone deal with the cable providers on their own. Do you want to pay for your neighbors cable? Probably not. A good HOA is worth their weight in gold. Foreclosure is a last resort but it is the a necessary tool.
Exactly and their water and sewer bills and Garbage pick up
So basically they are getting everything free while the rest of us pay 🫤
This happened to me when the Boca Del Mar master association didn’t get their $160 out of me. I never received the bill! These jerks hired a law firm for $3000 just to get $160 out of me and then threatened to foreclose on me. That should be criminal.
Folks need to stop making every issue political…it’s getting very tedious to say the least. In life, best to pay your bills & follow the rules in place. no one likes paying bills but they are a part of life and as adults, we need to understand it. Get a job and if retired, budget your funds so you have enough to pay all your bills, it’s really quite simple. And if you can’t afford where you live, find a cheaper place. Time we all take personal responsibility for our lives and not blame it all on politicians or anyone else!!
Republican or Democrat, it doesn’t matter .. .. I’m quite sure every single one of you have read the VERIFIED COMPLAINT TO FORECLOSE, and know for sure it’s the homeowner that is at fault, right? You know for sure the problem isn’t with the Board or the HOA, correct? You know for sure her HOA dues aren’t escrowed, right? If the homeowner is behind in their mortgage and the bank/servicer is attempting to foreclose the bank/servicer is automatically responsible for HOA dues, homeowners insurance, & property taxes these payments are no longer accepted from the owner until the case is resolved, but you know all of that, correct? Please don’t speculate and assume you know all the facts and circumstances. I’m a victim of a wrongful foreclosure, eviction, etc. I realize I’m the only person this has ever happened to, but shockingly, my HOA placed a roof assessment on the owners during the pending case ($10,000 for my unit) which was paid by the servicer THE BOARD IS CHARGING ME AS WELL, because their books are right up to snuff. My deed was forged and assigned from servicer to servicer more times than I can count, rejected by the property appraiser, the foreclose mill just recorded a QCD. I pray all you legal eagles out there that are so fucking quick to point fingers never ever have to face this nightmare.
Amen, Ginger! And “blessings” to you on this fine day!
Why did you have to print this unfortunate person’s name? And is this really newsworthy? Jesus said, “Let he who is without sin cast the first stone.” So much hatred in this world — and I’m not sure why this “newspaper” is doing this except for reader clicks.
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