🏡 HOA Liens in Nevada: Protecting Your Home From HOA Collections
Living in a community with a Homeowners Association (HOA) can offer benefits like shared amenities, neighborhood upkeep, and a sense of order. But when HOA dues or assessments go unpaid, Nevada law gives HOAs powerful tools to collect — including the ability to place an HOA lien on your property.
At A Fresh Start Law, we understand how devastating HOA liens can be. They don’t just threaten your peace of mind — they can threaten your home itself.
⚖️ What Is an HOA Lien?
An HOA lien is a legal claim the homeowners’ association files against your property when dues, fees, or special assessments go unpaid. This lien attaches directly to your home and must usually be paid before you can:
- Sell your house
- Refinance your mortgage
- Transfer ownership to someone else
And unlike many other creditors, HOAs have extraordinary rights under Nevada’s “super-priority lien” laws.
🚨 Why HOA Liens Are So Serious in Nevada
HOA liens are particularly dangerous because:
- They can take priority over your mortgage in certain situations.
- HOAs may initiate foreclosure even if you are current on your mortgage payments.
- Legal fees, interest, and penalties can pile up quickly, making a small balance spiral into thousands of dollars.
Many homeowners don’t realize that an HOA can move to foreclose without going through traditional court procedures, which is why acting quickly is critical.
🛡️ How We Help With HOA Liens
Attorney Dorothy Bunce has decades of experience defending homeowners against aggressive HOA collections. At A Fresh Start Law, we can:
- Negotiate directly with the HOA to reduce or settle what you owe
- Challenge improperly filed liens or unlawful charges
- Use Nevada’s homestead protections and bankruptcy law to help you keep your home
- Stop foreclosure actions while we work out a realistic solution
Our goal is to protect your home while giving you breathing room to get back on your feet.
❓ HOA Lien FAQ
Can my HOA foreclose on my home even if I pay my mortgage?
Yes. In Nevada, HOA liens can sometimes jump ahead of your mortgage lender due to “super-priority” rules.
How much do I need to owe before the HOA can foreclose?
Even a relatively small past-due balance (often just a few months of dues) can trigger a foreclosure action.
Can bankruptcy eliminate HOA liens?
Bankruptcy may stop foreclosure and sometimes discharge certain HOA debts, but it depends on your specific case. Eliminating an HOA lien without resolving the debt is not a realistic expectation. However, at A Fresh Start Law, Dorothy, our skilled attorney, can review your options.
Do I still owe HOA fees after foreclosure?
Yes, HOAs can continue to assess new fees, so it’s vital to address the problem early rather than letting it grow.
📞 Protect Your Home From HOA Liens Today
HOA liens can move fast — faster than many homeowners expect. Don’t wait until the HOA is knocking on your door with a foreclosure notice.
At A Fresh Start Law, we fight to protect Nevada homeowners from losing their homes to aggressive HOA collection tactics.
Call us today at (702) 551-3256 or contact us online to schedule your consultation with Attorney Dorothy Bunce. Together, we’ll create a strategy to keep your home safe.