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PaulJ6
Posts: 990
Posted:
Let's say that a HOA puts a lien on your house, or demands payment of a debt to the HOA. But the debt was actually not owed, and so the lien shouldn't have been put on.

Are there any specific laws that protect homeowners in this situation? Such as Federal or state debt-collection protections for consumers? (Other than standard protections that apply with any breach of contract or the like.)

Thanks.
TimB4 (Tennessee)
Posts: 21,059
Posted:
Probably, but it's likely civil law (vs. criminal) and the remedy is likely through the courts.

The worst outcome would likely be a hit to your credit report.

Something to discuss with an attorney.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
It may be part of the process. Kind of like when served with a lawsuit. You can respond to it by countersuing or other statement.

I would also offer your proof to why you don't owe the money to the HOA board for them to decide to drop the lien. Keep in mind there are 2 reasons they can lien. 1. Unpaid dues. 2. If they HOA did work to fix a violation and you did not pay their bill. Fines are not to be part of the lien. (There are some "creative" accounting for some HOA's).

Why do you think the amount is not owed?

Former HOA President

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