HOA dues on a foreclosed property?
The obligation to pay HOA assessments comes from a Declaration of Covenants, Conditions and Restrictions which is recorded against the property. This document is normally recorded against the entire development, by the developer before any of the homes are sold, and it’s binding on all subsequent owners. It is typically not wiped out by a foreclosure, because it was recorded prior to the mortgage that was foreclosed. If you have title insurance, check the listed exceptions. HOA’s have tremendous power to collect assessments. I would be sure that you are on solid legal ground before you challenge them.
