State laws allow a Homeowners Association, or HOA, a super-priority lien. When your HOA records a lien, they will aggressively pursue a foreclosure. As a result, someone might lose all their rights to their home in as little as three months. A Fresh Start can offer solutions to this problem, but this is an urgent situation. It is crucial to recognize that HOA liens are an emergency and to obtain experienced legal representation immediately. The A Fresh Start Law team often deals with this problem.