Facing the possibility of losing your home can create fear and anxiety. If you’re overdue on fees for an Arizona HOA or condo association, your HOA might try to foreclose on your home. Know that you still have options, and a Chandler HOA foreclosure rights lawyer from Harper Hall PLC can help you find the option that’s right for you.
Living in an HOA like the Greater Corona HOA, or any of the dozens of other homeowners associations in Chandler, usually means you’re responsible for paying monthly dues, or assessments, to your association. When you don’t pay those dues, a lien is automatically placed on your property. Even if you have a separate mortgage, your HOA can still have a lien against your home.
Under Arizona foreclosure rights laws, an HOA governing single-family homes can move to foreclose on your home if your overdue assessments are equal to or greater than $10,000, or if the dues have been unpaid for 18 months or more. Condominium associations may be able to pursue foreclosure even earlier. Before this requirement is met, your HOA will usually try to get you to pay your dues in other ways to avoid foreclosure.
Facing foreclosure alone is difficult, and it’s a good idea to have experienced legal help on your side. Even if your HOA hasn’t moved to foreclose yet, you can still get legal advice to prevent foreclosure.
Overall, Arizona is ranked 25th for foreclosure rates across the country, with a rate of one in every 405,000 housing units in December 2025. That being said, foreclosures still happen, and a strong legal team is the most effective way to try to prevent that outcome. A Chandler HOA foreclosure rights attorney can explain your options, negotiate with your HOA, and even help you mount a legal defense.
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When your HOA moves to foreclose, it doesn’t automatically mean you’ve lost your home. You might have other options to avoid foreclosure, including:
In some cases, you might even be able to raise a legal defense against your HOA. Their move for foreclosure needs to follow Arizona laws and the terms of their CC&Rs. If any of these requirements aren’t properly met, or if the allegations of unpaid dues are incorrect, you could have a legal defense to prevent foreclosure in Chandler.
These situations require experience and a careful hand, which means it’s essential to hire an HOA foreclosure rights lawyer.
For almost three decades, our team has worked with homeowners to negotiate with HOAs, understand their rights, and fight to keep their homes. We have the experience necessary to understand the depth of these cases and the laws that govern them.
Harper Hall PLC sees clients across all of Arizona, including right here in Maricopa County. Whether you’re facing foreclosure or want to learn how to deal with unpaid dues to prevent it, we can help. Schedule a consultation with us now, or come visit our office on Vaughn Ave in Gilbert to see what support we can provide to you.
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