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Will Homeowners Association Dues be discharged in chapter 7?

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    Will Homeowners Association Dues be discharged in chapter 7?

    The NOLO book says yes but only under Chapter 13 and later it says yes under Chapter 7, so I am confused.

    I am current on the actual dues, in fact I have never missed a payment, however six years ago I was fined for 'dog damage to lawn' when at the time I didn't even have a dog. They refused to remove the $50 fine at the time and continued to mark my account as late thus charging $10/m late fee. I constantly tried to resolve this and have documented proof. Typical association deaf ears. We get our statements at the end of each year and today mine said I owe over $700. I called and said I will just pay the $50 to close this and they said no.

    It's never showed up on my credit report but I do know they have taken other homeowners to court over non-payment of dues.

    Will this survive Chapter 7 bankruptcy?
    BK7 - Discharged May 2011

    #2
    It will be discharged as to you personally, meaning they cannot sue you, get a judgment and raid your bank account or garnish wages; but the HOA's right to lien your home will survive a BK.

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      #3
      deleted

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        #4
        Originally posted by Epic View Post
        The NOLO book says yes but only under Chapter 13 and later it says yes under Chapter 7, so I am confused.

        I am current on the actual dues, in fact I have never missed a payment, however six years ago I was fined for 'dog damage to lawn' when at the time I didn't even have a dog. They refused to remove the $50 fine at the time and continued to mark my account as late thus charging $10/m late fee. I constantly tried to resolve this and have documented proof. Typical association deaf ears. We get our statements at the end of each year and today mine said I owe over $700. I called and said I will just pay the $50 to close this and they said no.

        It's never showed up on my credit report but I do know they have taken other homeowners to court over non-payment of dues.

        Will this survive Chapter 7 bankruptcy?
        u should of paid the $50 while u could
        Filed chapter 7 on 9/17 341 on 10/20
        Chapter 7 Trustee's Report of No Distribution on 10/21
        Discharged and Case Closed on 12/21/2010

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          #5
          Originally posted by scorpion35 View Post
          u should of paid the $50 while u could
          I disagree with paying anyone (especially HOA/POAs) for something you were not guilty of. My C7 in NC covered all of our POA fees/dues/extortion money (whatever you want to call it)

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            #6
            Originally posted by gls007 View Post
            I disagree with paying anyone (especially HOA/POAs) for something you were not guilty of. My C7 in NC covered all of our POA fees/dues/extortion money (whatever you want to call it)
            I certainly agree. How can you do "dog damage" to a lawn? Particularly without a dog present? LOL. I would present a lawsuit back for extortion and even possibly go to State Attorney over same. Sounds grossly wrong. I would NOT put down on your forms that you owe anything to the Ass-ociation. This would be tantamount to admitting the debt. Just list them of course as you would have to anyway but not as a creditor. Or,,,,,put down $1.00 with "dispute" on the form. 'Hub
            If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

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              #7
              Originally posted by AngelinaCatHub View Post
              I certainly agree. How can you do "dog damage" to a lawn? Particularly without a dog present? LOL. I would present a lawsuit back for extortion and even possibly go to State Attorney over same. Sounds grossly wrong. I would NOT put down on your forms that you owe anything to the Ass-ociation. This would be tantamount to admitting the debt. Just list them of course as you would have to anyway but not as a creditor. Or,,,,,put down $1.00 with "dispute" on the form. 'Hub
              Correct, you DO list them HOA as a creditor, and you CAN/SHOULD list what the HOA says you owe, but simply mark the debt as disputed. The disputed check box is how you protect yourself.

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                #8
                FYI Epic, you do owe HOA fees past file date until you get your name off the deed...
                Ch7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010

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