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Who is "they?"
Homeowners association, lender, county tax collector, etc?
Sorry.....The Neighborhood Improvement Association.
How do I find out if the association was created by a declaration of covenants recorded with the county, and to which your deed was expressly made subject on its face? And, do these entities report to the credit bureaus?
If you still have a copy of your deed, read it and see if the neighborhood improvement association (NIA) is indicated on the deed as a restriction (e.g., "...subject to the declaration of covenants of the Neighborhood Improvement Association."). Or, contact a title company and have them run a title report on your old address. The title company can tell you whether or not you're subject to the NIA's covenants -- or if there are any covenants. Also, I forgot to mention that from the date that you vacated the property and no longer had any title interest in the property, the NIA could no longer collect fees from you to the extent that they would accrue after you both vacated and no longer held title. So, if some portion of the bill is levied based upon a time period where you no longer the owner or occupant, then you aren't liable for that portion of the bill. Re a report to a credit bureau, the underlying assessments probably would not be reported, but if your bill is sold to a debt collector, then that agency will almost certainly ding your credit report. Hope this helps.
Your answers are always top shelf.
Thank you again.....