Mesa HOA Foreclosure Rights Lawyer

HOA Foreclosure Rights Attorney in Mesa, AZ

Living in an HOA often means agreeing to pay monthly dues to your association. When you fall behind on those dues, the HOA board has the right to take legal action against you, possibly including foreclosing on your home. At Harper Hall PLC, we understand that your home is probably your largest investment, and it would be incredibly challenging to lose it. A Mesa HOA foreclosure rights lawyer from our team can help you advocate for your rights.

Experienced HOA Foreclosure Attorneys

Harper Hall PLC has been representing clients against HOAs since 2003. We know how to help you keep your home, and we’re passionate about fighting HOAs that overstep their authority.

HOA Foreclosure Rights Laws

HOAs are common in Mesa, with over 69% of Mesa communities being part of an HOA. While the CC&Rs of each association might be different, the laws governing them are the same.

Overdue HOA dues don’t qualify your home for foreclosure right away. In order for an HOA governing single-family homes to try to foreclose on your home, your overdue assessments must be at least $10,000, or you must have fees that are overdue for more than 18 months. Condominium associations may be able to pursue foreclosure even earlier.

Even then, you aren’t out of options. You can hire an HOA foreclosure rights lawyer to walk you through your other choices and possibly help you raise a legal defense. You likely want to do everything you can to keep your home, and our experienced team can help you do so.

What to Do When Facing HOA Foreclosure in Arizona

Often, the simplest way to resolve the issue can be to pay your dues in full. At Harper Hall PLC, we know that’s not always an option, especially when Arizona has average monthly HOA fees of $448. If you can’t afford to pay your dues in full, you’ll have to consider other options.

Some HOAs might be willing to agree to a payment plan, allowing you to pay your overdue fees off over a longer period of time. This depends on the decision of the HOA board, as not all associations will agree to this.

HOA Foreclosure Defense

You don’t have to face potential foreclosure alone. Along with the options above, we may be able to help you mount a legal defense against your HOA’s move for foreclosure. Some possible defenses against foreclosure include:

• Your HOA charging fees outside of what’s detailed in the CC&Rs
• The HOA failing to properly record its lien or other important documents
• Incorrect allegations of overdue fees from the homeowners’ or condo association

Hire an HOA Foreclosure Rights Lawyer From Harper Hall PLC

Each HOA foreclosure case is unique and requires someone with both experience and compassion for your situation. Our team has both of those attributes. We are dedicated to fighting for the rights of homeowners like you.

Reach out to us today to find out more about how we can support your case. From negotiating a payment plan to challenging your HOA’s claims, you have options in how to move forward, and we can help guide you through this difficult time.

Mesa, AZ HOA Foreclosure Rights Resources

• Arizona HOA Street Parking Law
• Arizona Homeowner Rights Against An HOA
• Can An Arizona HOA Prohibit Short-Term Rentals?
• Can You Sue An HOA In Arizona?