Florida is a judicial foreclosure state. Therefore, a party seeking to foreclose a home must go to court and receive approval from a judge. This includes not just banks, homeowner association foreclosure cases must also go through the court process as well. Unfortunately, many HOA’s are very aggressive and will seek foreclosure if a homeowner fails to pay the HOA dues. If you are being threatened with a homeowners association foreclosure contact an HOA foreclosure defense law firm right away, there may be foreclosure defenses available to  prevent the foreclosure.

Defense of Insufficient Notice

Under Florida Statute 720.3085, before a homeowners association foreclosure case can be filed the HOA must provide the homeowner with proper notice. Florida law requires the HOA to send notice to the homeowner of their intent to record a lien. Their notice must be sent at least 45 days prior to recording the lien. The notice must include details of the amount owed and an opportunity to pay the amount prior to filing foreclosure. The notice must meet all the requirements outlined in the Statute. For information regarding a specific notice contact an HOA foreclosure defense attorney for legal advice.

Notice of Intent to File Homeowners Association Foreclosure

Additionally, Florida foreclosure law requires the HOA to send the homeowner notice of their intent to foreclose on the lien. This notice must be sent at least 45 days prior to filing for a homeowners association foreclosure. The notice of intent to foreclosure the lien should be sent after the HOA files their lien for fees. If the HOA does not send the homeowner both the notice of their intent to record a claim of lien and notice of intent to foreclosure on the lien they should not be entitled to foreclosure. Additionally, the HOA may be responsible for paying your legal fees if you win the case.

Both notices are required to be sent by registered or certified mail with a return receipt. See Florida Statute 720.3085(4)(b). The notices must be sent to the address of the property they are intending to foreclose. If the property owners do not live in the home the HOA must send the notices to both the homeowner’s mailing address and the property address.

Homeowners Association Foreclosure for Late Fees

It may not be just past due fees and assessments, a homeowners association foreclosure case can also seek interest and attorney’s fees. In most homeowners association foreclosure cases, the amount of attorney’s fees they charge will be far in excess of the amount of HOA dues owed. In some cases, the attorney’s fees are more than 3 times the amount of the past due HOA fees. On the other hand, if your foreclosure defense lawyer is successful in getting the homeowners association foreclosure case dismissed the HOA may be held responsible for reimbursing you for your attorney’s fees. See Florida Statute 57.105.

Homeowners Association Foreclosure Defense Law Firm

If you are being threatened with a homeowners association foreclosure contact Florida Law Advisers to speak with a HOA foreclosure defense lawyer.The HOA foreclosure defense attorneys at our firm have years of experience in these types of cases. Our attorneys will aggressively fight the HOA and stand firm for what is fair. We accept many forms of payment, including credit card at no additional cost. We also offer our HOA foreclosure defense clients the choice of either a low-cost flat fee or low-cost hourly fee. For more information or to schedule a free consultation with a HOA foreclosure defense lawyer call 800 990 7763.

Frequently Asked Questions

Can the HOA file foreclosure in Florida?
What happens if I don’t pay the HOA?
How do I stop an HOA Foreclosure?
Is it too late to stop an HOA foreclosure?
8 replies
  1. CW Hudson
    CW Hudson says:

    Need assistance with HOA threatening to foreclose even though I asked them repeatedly for assistance in acquiring payment booklet for dues. I was not notified of any pending leins. Three weeks ago their debt collectors served my tenants. I received info one week later. To date I have paid all HOA dues.

  2. Ed P.
    Ed P. says:

    In January 2017 the HOA changed management companies. Without notice the management company stopped debiting my 97 year old mothers account, after 96 consecutive debits. Apparently they filed lis pendens for $847.00 without notifying anyone whose name appears on the deed, either of the default or of the lis pendens. Once discovered neither the HOA nor the management company would provide any information or details of the action and referred me only to their lawyer. It cost nearly $5,000 to terminate this action. Do I have any recourse?


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