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JimC24 (Connecticut)
Posts: 60
Posted:
Does anyone know if the bylaws and declaration for a condo is generally filed with a government agency?

Are these documents generally provided by the Association?

New at being the President of small, self-managed Condo. Our condo just was paid off by the mortgage company for back condo dues for one condo owner that was behind for 4 years on his common charges. He now refuses to pay for the most recent month as he put his condo on the market for sale. And he's now demanding that the Association fix a leak in his roof and provide the bylaws and declaration to prospective buyers. The only copy of the bylaws and declaration I have is what I received from my lawyer when I bought my condo. Being self managed, the Association really doesn't have a community copy stored anywhere. Just wondering if it is the obligation of the Association to provide these documents or if there is some government agency where these documents my be kept. I don't want to send this individual my personal copy. I am not sure where my lawyer obtain these documents either.

DouglasK1 (Florida)
Posts: 2,046
Posted:
Generally the CCRs are recorded with the county at the courthouse, recorder of deeds, or some other office. In our county CCRs and just about everything the county has about a property can be searched and downloaded for free online. I would expect that in some smaller counties one would still need to go in person to the requisite office and request the records.

Bylaws on the other hand often do not need to be recorded, and can potentially get lost if there is no central repository. I would suggest getting some copies made of yours at association expense, and in turn distributing as needed, at least to the board. I would also give a copy the the owner requesting, although charging reasonable copy expenses should be ok.

Note that some states have HOA laws that might impose specific requirements, I have no idea about CT.

Escaped former treasurer and director of a self managed association.
KerryL1 (California)
Posts: 14,550
Posted:
I don't know about CT either, but in CA it's the seller's responsibility. I'd advise the seller to get a copy of the convenants for his use. No e resin I can think of why you'd have to go to the trouble.

I imagine you have a copy of the bylaws, which you could copy & charge him for.
RichardP13 (California)
Posts: 3,868
Posted:
The association, not you should have a digitized copy of all your governing documents. That would include, if any, the Articles of Incorporation, Bylaws, CCRs and Rules and Regulations. Remember, you are more than a homeowner, you represent a corporation, as small as it might be.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
A potential buyer is NOT a member of the HOA. So the HOA does not owe a buyer documents. Most states view it as the "buyer's right to be informed" so they make the CC&R's and Articles of Incorporation PUBLIC documents available at your local county courthouse. The Articles of Incorporation are STATE level filed. By-laws/ACC documents are internal HOA documents. One should get those from the HOA once they are members.

Many states have it that the seller is to provide the documents at closing. Not every state does that. You should ask your Realtor if they can direct you to the resource for these documents. However, they are NOT responsible for providing them. Neither is your closing attorney, title people, or mortgage company. It's all on the buyer.

Do I like this? No. It's just that no one wants to take responsibility so they make the document PUBLIC.

Former HOA President
GeorgeR8 (Arizona)
Posts: 182
Posted:
Quote:
Posted By MelissaP1 on 01/25/2018 3:19 PM
A potential buyer is NOT a member of the HOA. So the HOA does not owe a buyer documents. Most states view it as the "buyer's right to be informed" so they make the CC&R's and Articles of Incorporation PUBLIC documents available at your local county courthouse. The Articles of Incorporation are STATE level filed. By-laws/ACC documents are internal HOA documents. One should get those from the HOA once they are members.

Many states have it that the seller is to provide the documents at closing. Not every state does that. You should ask your Realtor if they can direct you to the resource for these documents. However, they are NOT responsible for providing them. Neither is your closing attorney, title people, or mortgage company. It's all on the buyer.

Do I like this? No. It's just that no one wants to take responsibility so they make the document PUBLIC.

Documents should be given when an offer is accepted. What good are they at closing? In my state you have to sign a form at closing that you received, read, understand and agree. How would you do that if you don't have the documents?

I've argued with you before about this. We have to give about 12 things to buyers when they hit escrow. CC&Rs, Bylaws. Rules, articles of incorporation, budget, insurance info, etc.
RichardP13 (California)
Posts: 3,868
Posted:
As a management company, I set up web pages for all my clients. The governing documents are available to the general public. If an inquiry comes from the outside and they want to know the rules of the association beforehand, I point them in the right direction.

I would rather have an informed before they sign a purchase agreement and it is too late.

Melissa needs to stop with this buyer is not a member nonsense.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
That is how YOU do it. That's NOT every HOA. Plus that is a "Courtesy" and NOT a responsibility. If your HOA was responsible for providing these documents, it would be opening itself up to a lawsuit if it failed to do so. Just like everyone else like Realtors, lawyers, or Mortgage companies. That is why it's best practice to keep the documents proprietary (by-laws) or Public (CC&R's).

Now as for the timing of when a buyer receives the documents for review isn't very well defined. Closing process can take several days to weeks. Officially nothing is signed till day of closing. Which is basically when one would choose to acknowledge they read/received the documents. The option is there to stop your closing if don't feel you received the documents in a timely manner.

I am sure most here were like me on my first HOA home closing. Did not know it was my responsibility to "be informed". Also did not know the document process or when/where to ask for them. Got them the day of closing in the lawyer's office. Knew about I was moving into a HOA and the dues amount. That was revealed to me as they had to factor in the dues into my ability to get the mortgage. As far as knowing needed to get the documents was completely clueless.

It's not that I am not an un-informed type homeowner. It's just till I moved into an HOA and became President of one, had no idea what living in a HOA meant. I've learned more about the process now and try to educate the best can from that experience.

Former HOA President
RichardP13 (California)
Posts: 3,868
Posted:
I have also asked this question, but got no response from anyone.

Everyone says there is a contract when you move into an HOA you have to abide by. I have asked for something in writing from this forum that people sign at closing acknowledging either an agreement or a contract.

So far, no response.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
Richard, a potential buyer is NOT a member is NOT non-sense. It's reality. I don't give out information to strangers.

Former HOA President
MelissaP1 (Alabama)
Posts: 13,836
Posted:
Richard that is because there is no such thing. It's deed restrictions. It's like the developer promises the city only 2000k square foot houses only. No trailers. The city can come in and remove that trailer because it violates the deed restrictions. However, no one actually signs a "contract". It's just you must comply to whatever deed restrictions are placed on that land.

Former HOA President
KerryL1 (California)
Posts: 14,550
Posted:
Maybe AL has no laws protecting prospective buyers, but plenty of states do including CA & apparently AZ. These prospective buyers have the legal right to read these governing documents BEFORE they close escrow. The timing is clear. so..knock it off, Melissa.

In CA, it's the seller's responsibility to provide them. But very often, as Richard points out, the PM will supply them; many will even be on the public part of the website as are our CC&Rs.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
I never said you can't read the documents or have them in your hands BEFORE closing! They are PUBLIC documents and it's on your schedule when you want to get them or ask for them. In the end it's YOUR responsibility to be informed of what your buying into by the time you sign at closing.

Where is it written anywhere you have to have the documents given to you in a certain time-line other than BY closing?

Former HOA President
KerryL1 (California)
Posts: 14,550
Posted:
I'm not going to bother to look up CA civil code on this point, Melissa, because you'll keep repeating your old mantra over & over even with evidence to the contrary. Well, maybe tomorrow.

As a former HOA prez, what, if anything does AL require??
RichardP13 (California)
Posts: 3,868
Posted:
Quote:
Posted By MelissaP1 on 01/25/2018 6:01 PM
Richard that is because there is no such thing. It's deed restrictions. It's like the developer promises the city only 2000k square foot houses only. No trailers. The city can come in and remove that trailer because it violates the deed restrictions. However, no one actually signs a "contract". It's just you must comply to whatever deed restrictions are placed on that land.

What planet are you living on. Name a city that enforces deed restrictions of a private corporation?

I do this for a living and I know the law. Cities enforce their municipal codes. I will use the city to enforce their codes before going after the homeowner on association rules. I have a situation right now where the CCRs restrict trailers in the community. I went to the City to try and remove a violating homeowner. We were told to pond sand, they do not enforce HOA restrictions unless first they violate city restrictions.

RichardP13 (California)
Posts: 3,868
Posted:
Quote:
Posted By MelissaP1 on 01/25/2018 6:39 PM
I never said you can't read the documents or have them in your hands BEFORE closing! They are PUBLIC documents and it's on your schedule when you want to get them or ask for them. In the end it's YOUR responsibility to be informed of what your buying into by the time you sign at closing.

Where is it written anywhere you have to have the documents given to you in a certain time-line other than BY closing?

These are NOT public documents. I make them available, but in our state only the CCRs are available at the County Recorder.

I have to pay my mortgage, my car, my furniture, my credit card, BECAUSE I have signed a contract. What documents has ANY homeowner signed that they agreed to abide by said documents. It is Business Law 101, CONTRACT LAW.

What assurances does a homeowner have that they have all the documents or even the most up to date documents.

You would be surprised what I have seen in the 9 years in this business.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
Is it 5 minutes or 3 days? Till you provide a time line it is still BY closing

Former HOA President
MelissaP1 (Alabama)
Posts: 13,836
Posted:
Law is PUBLIC, You giving them out is irrelevant and not required by a PM, It is by owner or by look or your on the hook,

Former HOA President
RichardP13 (California)
Posts: 3,868
Posted:
Quote:
Posted By MelissaP1 on 01/25/2018 7:25 PM
Is it 5 minutes or 3 days? Till you provide a time line it is still BY closing

I know you believe to provide just the minimum as required. I don't subscribe to that theory. I believe to provide the best available information as soon as possible to avoid issues in the future.
FredS7 (Arizona)
Posts: 927
Posted:
Quote:
Posted By MelissaP1 on 01/25/2018 5:52 PM
That is how YOU do it. That's NOT every HOA. Plus that is a "Courtesy" and NOT a responsibility.

Tripped up once again by the fact that states are, umm, DIFFERENT. As in not the same.

I only know MY state (AZ). I can say that when purchasing a unit one of the many things you sign concerns HOAs. If there is an HOA you acknowledge that you understand that AND either you have received the documents OR you don't need to see them.

In this case, at least, AZ is more advanced. (Don't get me talking about gun laws and school taxes).
BillH10 (Texas)
Posts: 1,217
Posted:
In Texas the seller has to provide a number of documents including a Resale Certificate when requested after the sales contract has been signed. Preparation of the package is generally performed by the PM, who charges the seller directly for the service.

The documents provided are virtually the same as those listed by GeorgeR8 in Arizona. The documents have to be provided to the buyer, generally through the title company (which performs the escrow type services I am familiar with from California) by a date certain prior to the close of escrow so questions can be asked and answered, issues addressed, etc. One of the items on the Resale Certificate addresses the question of compliance violations which may be present on the property, it has been our experience the title companies are insistent the violation be cured or satisfactorily addressed before closing can take place.

As others have stated, our company, and as individual property owners, we are all for this process. It eliminates surprises and provides an element of protection for everyone concerned. I suppose a seller could assert the requirements for disclosure could inhibit the sale of the property as the buyer might not wish to live in a POA with its rules. As a community manager with HOA and condo clients and as a property owner whose home is located in a HOA, the last thing I want to manage or have as a neighbor is a disgruntled owner who did not have the opportunity to fully understand what they were getting into when purchasing in a POA.
DouglasM6 (Arizona)
Posts: 724
Posted:
I'll add two things to this discussion. We have two properties for sale right now. Every realtor that asks for HOA documents has done so stating that we are required and that we can charge for them. I'm not going to look up the statute, nor do I care if there is one. I give our recorded documents to anyone that asks for them. Hell I even posted them on this board! I figure it's best to let everyone know the restrictions BEFORE they buy.

The other thing is the lawyer told us on Tues morning that a violation of a covenant IS a breech of contract. The purchase of the deed represents acceptance of the contract. Hope that helps.
JohnC46 (South Carolina)
Posts: 14,265
Posted:
Quote:
Posted By DouglasM6 on 01/26/2018 10:15 AM
I'll add two things to this discussion. We have two properties for sale right now. Every realtor that asks for HOA documents has done so stating that we are required and that we can charge for them. I'm not going to look up the statute, nor do I care if there is one. I give our recorded documents to anyone that asks for them. Hell I even posted them on this board! I figure it's best to let everyone know the restrictions BEFORE they buy.

The other thing is the lawyer told us on Tues morning that a violation of a covenant IS a breech of contract. The purchase of the deed represents acceptance of the contract. Hope that helps.

I agree. Being open nips a lot of problems in the bud.
JimC24 (Connecticut)
Posts: 60
Posted:
Suppose the seller of the condo had not paid condo dues in four years. Once you as a new condo President discovered this you asked to be made current. After being unable to agree on a reasonable repayment plan with this owner, you began a collection action threatening foreclosure. Several months later, the bank paid the balance in full with late charges. Then the very next month, the same owner is now refusing to pay condo dues and is already late on the first month dues after the bank made him current. He then puts his condo up for sale and and starts making all kinds of demands of the Association. He is obviously trying once again to avoid paying monthly condo dues. As a new condo President, you're not sure how you get paid if he sells his condo - and he is the only one that you know that has a contractual obligation to pay. Would you hold off on giving him what he wants as leverage to get him to pay his monthly dues?
MelissaP1 (Alabama)
Posts: 13,836
Posted:
Place a lien on the property and wait...

Former HOA President
KellyM3 (North Carolina)
Posts: 2,239
Posted:
Jim,

The resident can demand NOTHING.

That said, new buyers should be supplied w/ good copies of your HOA documents or be clearly told to obtain an official copy from the county Register of Deeds.

I've seen real estate lawyers give their buyer/client a copy of by-laws they scrubbed from our website...and it wasn't official as a single page was missing from a change passed twenty years earlier (when the community population was 95% different than the current owners). Very messy.
JohnC46 (South Carolina)
Posts: 14,265
Posted:
Jim

Regardless of his past, he is either current or not current with his dues. Treat him going forward as you would any fellow member.

With his past history of non-payment, I would not be the least bit lenient with him.

BillH10 (Texas)
Posts: 1,217
Posted:
Jim, what is the nature of the demands he is making? Can you cite an example or two?
JeffT2 (Iowa)
Posts: 880
Posted:
Is your community set up under CT's Common Interest Ownership Act? If so, many of the answers to your questions are part of that law. Your governing documents will also have the answers to many of your questions.
EllieD (Vermont)
Posts: 446
Posted:
JimC,
You wrote that you are the President of a small, self-managed Condo.

By small, approximately how many Units? The exact number is not important – just whether less than 12 Units, or more than 12 Units.

Size makes a difference, because for a β€œsmall” Condo Association of less than 12 units, not all sections of the CCIOA (Connecticut Common Interest Ownership Act) applies.
JimC24 (Connecticut)
Posts: 60
Posted:
EllieD

Thanks, that is an important point. We are less than 12.

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