Hello and welcome to JustAnswer. Please note:
(A) This is general information and is not legal advice. No specific course of action is proposed herein. No attorney-client relationship or privilege is formed by speaking to an expert on this site. This is repeated in numerous disclaimers throughout the site. By continuing, you confirm that you understand and agree to these terms
; and (B) there may be a slight
delay between your follow ups and my reply while I am typing out my answer.
I am very sorry about this situation.
1) NO, the Association
is not mandated to alert the owner about past dues unless this is specifically written in the bylaws, covenants, or declarations. Often, it is not.
2) NO, the Association does not have to alert the owner about placing a lien for said past due bill prior to doing so, although most would
and do, seeking to work out a solution prior to doing so. However, if your Association has a property management company, or, if the Association is run by mean people, they can do this out of not caring or out of spite and not give notice prior to the lien.
3) However, there is statutory obligation to give notice prior to any foreclosure under N.Y. Real Prop. Law. They cannot initiate a foreclosure without notice to the owner.
Please note: If I tell you simply what you wish to hear, this would be unfair to you
. I want to be honest with you and sometimes this means providing information that is not optimal. Negative ratings are reserved for experts who are rude or for erroneous information. Please rate me on the quality of my information; do not punish me for my honesty.
I hope this helps and clarifies. Gentle Reminder: Use the SEND
button to keep chatting, or please rate
when finished. You may always ask follow ups at no charge after rating. Kindly rate my answer as one of the top three faces/stars
and then SUBMIT
, as this is how I get credit for my time with you. Rating my answer the bottom two faces/stars or failing to submit the rating does not give me credit and reflects poorly on me, even if my answer is correct
. I work very hard to formulate an informative and honest answer for you; please reciprocate my good faith.