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Asked over 3 years ago - Savannah, GA
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When I bought the Townhome in 2008, the previous owner's owed the HOA approximately $650. My attorney missed it on the title search and did not even contact the HOA at closing. I did not pay the amount owed and the HOA placed a lien on the property.
I am about to file Chapter 7 Bankruptcy and I don't know how a Capter 7 will affect the lien or the amount owed. Also, I have gotten a bill in addition to the lien for penalties and late fees.
You will have to talk toy uor attorney about "lien stripping" in the state where you are filing. Some Bankruptcy Courts require only a motion whereas some courts require an "Adversary" which is much more like a miniature trial. In many States such liens are considered secured so an analysis of your State law and bankruptcy exemptions is necessary to answer this question.
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