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You can clear your property's title by releasing the attached lien. Generally, this entails paying your outstanding fees. It helps to communicate with your HOA regarding any additional terms and requirements for clearing your title and preventing similar issues in the future.
The HOA can use the unpaid assessments as the basis for their homeowner's association lien and initiate foreclosure proceedings. Any unpaid fees can bring an assessments lien that leads to foreclosure. HOAs in Houston, Texas, must file a lawsuit against the homeowner to obtain a foreclosure against its lien.
A housing association typically has a right of lien on each parcel within the property to secure the payment of fines and assessments. Associations cannot file a claim of lien for fines of less than $1,000.
After the lien is recorded, the community association must commence legal action within one year. However, if the unit owner files a Notice of Contest of Lien, the association must commence legal action within 90 days. § 718.116(5)(b), Fla. Stat.
Under Florida law, an HOA may not file its lien unless it first provides the homeowner with a written demand by registered or certified mail, return receipt requested, and by first-class mail, that provides 45 days to pay all amounts due. (Fla. Stat.