How to Handle Overdue Condo Fees

Condo managers look after the common areas of the condominium complex, like the lobby, parking lots and landscaping. The condo supervisor is also usually responsible for gathering the condo fees, which residents of this construction pay. The fees are used to maintain the complicated and cover any repairs which may be required. Each tenant, or owner of each unit, pays condo fees, typically on a monthly basis. When residents are late with their payment, the supervisor must be sure that the cash is collected.

Write the residents that have outstanding fees a letter to remind them that their payment is late. Do not delay; act within a couple of days of this date the fees are expected. Remind the residents they have a contractual obligation to pay. Include in the letter that the amount due, late penalties, options for repayment, like by cash, check or cashier’s check, and also the address where the payment ought to be sent.

Limit the amenities that the tenant is able to utilize on the grounds. The condo fees help to maintain the amenities on the grounds; therefore, the tenant shouldn’t have the ability to use the facilities. For instance, prevent him from using the swimming pool, exercise room or attending a holiday party. The bylaws of the condo association should detail the features and facilities for which access can be restricted.

Seek the guidance of an attorney experienced in condominium cases. It is possible that the resident will take the situation more seriously if he’s contacted by an lawyer. Instruct the lawyer to inform the resident of all money due, which may include the original amount, added late fees and the additional cost of lawyer fees. If the resident is having trouble paying, especially with the added costs, you might think about offering a payment plan, in which the fees are spread out over six or 12 months.

File a suit in small claims court. You might have the ability to obtain a court judgment to garnish the delinquent owner’s wages or attach his bank accounts. In addition, a suit can also prompt the owner to bring his condo fees current since a court order can damage his credit record. The procedure for filing a lawsuit varies by condition; consult with an lawyer to be sure you’re following all appropriate procedures.

File a lien against the land. This will not bring a direct resolution, but if the person who owns the unit sells his condo, then the debt will have to be brought up to date. A lien also sends the message which the delinquent penalties are a serious matter. Most states allow liens to be submitted when the debt is 30 or even 60 days delinquent; check with your condition to ascertain the right quantity of time. Find a lien form from an office supply store or the circuit or county court on your town. Talk to an lawyer to be sure the lien form is filled out correctly. File the form with the circuit, county or superior court in your city. You should get notice of a court within the coming weeks, depending on the pace of the particular court.

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What Should a Renter Do if the Landlord is Being Foreclosed?

Most renters are completely unaware of how (or even if) their landlord is paying the mortgage for their property–and from the time a renter finds his home is being foreclosed, it’s already too late to get anything. In years past tenants facing eviction because of their landlord’s foreclosure had been left outside in the cold without a protection and nowhere to go, with little or no proper to remediation. To protect innocent tenants stuck footing the consequences of the landlord’s irresponsibility, federal legislation has been introduced to prohibit both landlords and foreclosing creditors from ignoring their obligations.

Understand Your Rights

In May 2009, Congress successfully enacted the Protecting Tenants at Foreclosure Act (PTFA). The action covers each residential renter with a legitimate, active rental arrangement, whether written or oral. Your landlord is now statutorily required to honor the complete term of your rental arrangement throughout the foreclosure proceedings and also continue to preserve and repair the rental house as needed. If a brand new homeowner buys the house, he must assume the function as your new landlord and behave appropriately. If the new homeowner intends to use the house, your lease has expired or you are on a month-to-month (at-will) rental, you have at least 90 days from the date the new homeowner takes ownership of the house before you have to vacate.

Document Everything

From the moment you learn that your home is facing foreclosure, start maintaining a log of each correspondence to and from the landlord, even if you believe it is irrelevant to the situation. Use email or handwritten notes to converse with your landlord every time possible, and consistently make copies of any correspondence for your records before sending. In case your landlord offers you money in exchange for leaving early, agrees to cover a number of your moving expenses or makes any other promises, urge him to place down his words on paper so you have proof of your agreement .

Continue Paying Rent

Arguably one of the biggest mistakes a tenant can make when her landlord is being foreclosed is to cease paying the lease. As you might feel as though your landlord is not entitled to your money because he didn’t pay the mortgage with it, there’s no law that requires your landlord to turn on your lease to the lender. Neither if you negotiate with the lender to make your lease payments directly to the bank; until the lender forecloses, your landlord is still entitled to the cash. Provided that you continue living in the unit, you have to continue paying your rent on time and in full each month. If you stop paying, you can be evicted for nonpayment of rent and you risk losing your protection beneath PTFA.

…But Start Searching Listings Immediately

Though you can expect to continue living in the unit for three more weeks, then start looking for a brand new apartment immediately. Begin your search when you get notification of the foreclosure proceedings, and goal to have something set up from the last two weeks of your 90-day notice. Looking for new apartments won’t jeopardize your rights under PFTA, and your landlord cannot evict you for signing a new lease as you are still living in his unit.

Adhere to the Eviction Notice

When you inevitably receive your eviction notice, follow the directions precisely. Ensure you leave the unit at at least the exact same state as it was prior to moving in. Have your furniture and personal belongings packed and moved out one or 2 days ahead of your eviction date. Vacate completely from the eve of your true eviction date; if you can or want to, then you might move a day or two prior without penalty. In case the eviction notice violates your rights at all, however, challenge it when you get it. Contact the person who served you with the notice and explain your rights under PFTA. If a landlord or the lender threatens or bullies you, then do not devote; the two parties are banned from evicting youpersonally, and neither can physically remove you from the home. If someone does physically try to eject you, then contact the regional law enforcement agency immediately for assistance.

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Definition of Statutory Warranty Deed

A warranty deed is a document that transfers the title to a property from the seller to the purchaser. It protects the purchaser that by saying the vendor had to market it somebody will come together and lay claim. A statutory warrant deed is an abbreviated form of a warranty deed written in line with law.


A normal warranty deed names the vendor of the property, known as the grantor, and the purchaser , known as the grantee. It defines the property being moved, and it features legal terminology in which the vendor guarantees — or”warrants” — that he is the property owner of the property, that nobody else could put a claim to the property, that he is moving all of his ownership rights to the purchaser, and also that if he is wrong about all this, he will compensate the purchaser and defend her against any claims.


The guarantees in a warranty deed are usually spelled out in legal jargon. For instance, the deed may state,”the Grantor is lawfully seized in fee simple of the above-described assumptions” Translated: The seller is the rightful owner of the home identified in the deed. Because such language can give rise to disputes, and since legal issues can also arise from mistakes or leaving out certain words or warranties, states have statutes identifying precisely what a deed should contain in order to be legally enforceable. There is written to the standards of the law A deed a statutory warranty.


Attorney Craig Blackmon, of the Seattle real estate law firm Blackmon Holmes, says that home buyers receive the title to their property through a statutory warranty.


A title insurance coverage backs up the promises made in a statutory warranty deed. When challenges to the move arise later, the title insurance policy pays whatever reimbursement is due the purchaser, as well as the expenses of combating with the challenge in court. Before issuing a policy, the title insurer will usually require a title examination, a review of all records pertaining to ownership in the property, to make sure no claims could be made. The examination produces a detailed history of the property name, known as an”abstract,” that is furnished to the buyers.


In certain jurisdictions, such as California, property transfers usually occur through a”grant deed” rather than a warranty deed. The documents serve the same purpose and are similar in many respects. A grant deed is one written like a statutory warranty, just to the requirements of state legislation.

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Do I Sublease?

There are two reasons why you’d sublease your apartment. If you’re going from town temporarily but want to keep your rental unit, then you might seek a tenant to reside in your dwelling till you return. If you have an apartment that is too large for you, you can seek another person to lease a room and maybe share your living space. California law is clear on the role of subtenants, master tenants and landlords under a sublease agreement.

When he permits subleases, ask your landlord. Normally, lease agreements prohibit subleasing known as subletting. The California Department of Consumer Affairs advises coming your landlord before moving ahead with the idea, to ensure smooth sailing even if your lease enables the clinic.

Market your opening. Describe the situation. If you’re vacating the unit, notice the beginning and finish dates of the sublease. If you’re looking for a roommate, clearly say what your subtenant will receive–for example, a room only or a share of shared living spaces. Also outline how you would like to split utility bills, along with your own requirements and preferences in relation to smoking, parties and other action that is possibly controversial.

Interview potential and screen subtenants. you understand they will pay their rent in time and in full, ask for proof of income. References from previous landlords can also help you assess conscientiousness and the trustworthiness of inhabitants that are prospective.

Draft a agreement. The California Department of Consumer Affairs suggests such as the amount of the lease, where it has to be delivered and by when. Also contain the duration of the pact, how utilities will be managed and your expectations about the rental unit should be maintained by your subtenant.

Collect rent. As the landlord, when you sublease, you behave Since the California Department of Consumer Affairs notes to your subtenant. Your subtenant is not responsible to your landlord. The subtenant pays his share of the lease to you, which you forward every month, in accordance with your agreement with your landlord.

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How do I Understand Property Foreclosure?

A borrower may lose his home or property in a house foreclosure. Foreclosure is the legal process a creditor uses against a borrower to enforce payment of a mortgage loan debt. A foreclosed home is typically sold at a public auction. The real estate becomes the property of the creditor if no winning bids are received at the auction. The owner is forced to proceed once the property has been foreclosed on.

Read your mortgage loan documents. Mortgage loan and notice records incorporate a brief description of the creditor’s foreclosure procedure. You should have received a copy of the loan documents at the time of your closing.

Get in touch with your lender. Your lender should have a foreclosure outline or manual which outlines the foreclosure processes the provider uses. Ask the record be mailed or faxed to you.

Speak to the U.S. Department of Housing and Urban Development (HUD). Schedule a session. The ceremony is free if you’re facing foreclosure. The fee is dependent on your earnings if you’re not dealing with a foreclosure. The advisor will explain the foreclosure procedure on your region to you personally and answer your questions. Visit the office place section of HUD’s official site for contact information for housing advisers locally.

Speak to a real estate lawyer. Schedule an appointment. The fees for lawyer consults differ by area. The lawyer will sit down with you and explain the foreclosure procedure. Write down any questions you have about foreclosure prior to going to your appointment and ask about the fees for consultations until you meet with the lawyer.

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What's a Real Estate Investor?

A property deed is what you use to transfer the possession of property from one person to another. In the event that you’re buying a home from somebody, this is among many files you’ll signal when possession is transferred. It has to be filed with your county clerk or tax assessor collector, should be witnessed by an authorized officer and its contents have to be true.

Types of Deeds

There are lots of forms of property deeds, each of which has its own function. In a grant deed, the seller transfers the title of their property outright to the purchaser. A quitclaim deed transfers your rights in a parcel of property to another person. This deed is often used between family members. A warranty deed transfers your house to another with assurances that you own the house free and clear. A warranty deed provides reimbursement to the person who you transfer the deed if there are issues with the offer. There is also the deed of trust. This provides your lender quick recourse if you default on the loan. These deeds usually provide for a quick, non-judicial foreclosure process.

Other Paperwork

When you file any type of property deed, any paperwork connected to the house is also registered. This can include your mortgage agreement with your lender, any easements on the property or some other lawsuits. The function of this is a real estate deed is a matter of public record. If someone were to look for the title, every one these documents would be available for perusal.

Making It Official

The most important hurdle to creating a home deed official is that the touch of a notary public. Your deed must be signed before a notary public. Your notary must affix his seal on the document, along with his signature. In case of dispute, a judge can throw a deed if it is not correctly notarized. Once the deed is notarized, it is ready to be filed in the county clerk’s office.

Things to Check

Before turning over your deed to the county, there are several things you should check. You must always check to make sure that your name, and the names of anybody on the document, are correct. Double check that the legal description of the property being moved. Note any expenses associated with the deed and make certain that they are correct. Don’t sign the document unless the entire document is correct and to your satisfaction. If it is not, consult with a lawyer.

Finding a Deed

Many men and women use a title company to look for a property deed. Nonetheless, it is possible to do it yourself. For example, in California, all you need is the current deed holder’s name to look up the deed in the county records office. You might also use the house address, if you do not know the current deed holder. In most counties, you might also use the county’s site to conduct a title search for a house. The process is a long one, however, and that is the reason many lenders and homeowners hire a title company.

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A Landlord-Tenancy Agreement

Laws and guidelines regarding agreements between landlords and tenants vary from state to state. Some localities utilize specific ordinances that complement or efficiently strengthen state law. In any case, a flat arrangement, especially a lease, which is legally binding in most states, offers landlords and tenants several protections.


In California, there are two primary kinds of landlord-tenant agreements: a periodic rental agreement and a lease. The legislation allows landlords and tenants to perform written or verbal versions of both, as stated by the Department of Consumer Affairs (DCA). In either case, California considers the pact legally binding.

Time Frame

Under a periodic rental agreement, the landlord and tenant set a period of time that essentially governs their understanding. For instance, a 30-day arrangement, called a month-to-month arrangement, signals that the tenant has to pay the rent every 30 days. Since the DCA notes, in California, a periodic rental agreement expires every time a tenant pays his rent and renews with the following rent payment. The leasing period also dictates the amount of note each party has to give if they wish to terminate the arrangement. It also represents the number of days’ notice the landlord needs to give if she wants to change the details of the arrangement. A lease sets forth the number of months a tenant is liable for paying rent in addition to the length for which the landlord and tenant must comply with the agreement’s terms. By signing a lease, a tenant legally binds himself to paying rent every month before the lease expires. Back in California, leases typically run for 1 year prior to committing to month-to-month agreements, similar to the aforementioned periodic rental agreement.


Since the DCA explains, a normal lease or periodic rental agreement doesn’t exist in California, as of 2010. Since every document is different, the DCA urges renters to read each part of it. It ought to, at a minimum, define all parties–the landlord, a landlord’s agent, like an apartment manager and tenants; the terms of the rent, like when it is to be paid and to whom; the terms of the security deposit; the building’s pet policy; the maximum allowable number of individuals allowed to reside in the unit; and who is responsible for paying every utility and caring for landscaping. Any other promises made or agreements forged ought to be contained in the lease as well.


Regardless of what the periodic rental agreement or lease says, the DCA reminds renters they have fundamental legal rights in California. For instance, the flooding process is closely controlled in California, especially in massive cities like San Francisco. In San Francisco, a landlord can only evict a tenant with among 15″simply causes” They comprise”nonpayment of rent,””habitual late payment of rent,” breaking up the leasing agreement or allowing an illegal tenant to occupy the device, like a party not recorded on the lease arrangement. The San Francisco Rent Board (SFRB) reports that between March 1, 2009 and February 28, 2010, landlords handed out 1,269 flooding finds through town.


Common utility meters are usually a problem in flat buildings. For instance, two tenants frequently share the exact same utility tube, or any number of components share a tube with a different part of a structure, like a laundry room. Your landlord and tenant or tenants need to agree on who is responsible for charges related to meters. Although this arrangement can be contained in the periodic rental agreement or lease, it doesn’t need to be, according to California law.

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