HOA Assessment Collection & Lien Calculators

Alabama Uniform Condominium Act

Alabama Condo Assessment Lien Super-Priority Calculator — § 35-8A-316(b) Six-Month Super-Priority

Compute the Alabama condominium association assessment-lien super-priority breakdown under the Alabama Uniform Condominium Act (Ala. Code § 35-8A-101 et seq.). Models § 35-8A-316(a) automatic lien attachment, § 35-8A-316(b) six-month super-priority over a prior first mortgage based on the periodic budget, § 35-8A-316(c) perfection by recordation of the declaration, § 35-8A-316(d) three-year lien statute of limitations, and § 35-8A-316(e) cumulative money-judgment remedy. Returns the super-priority dollar amount, sub-priority remainder, total outstanding, and recovery posture.

Alabama Uniform Condominium Act

Alabama HOA Foreclosure Timeline Calculator — § 35-10-13 Power-of-Sale (Three-Week Publication; § 6-5-247 One-Year Redemption)

Project the procedural timeline of an Alabama HOA / condominium assessment-lien foreclosure under the Alabama Uniform Condominium Act lien framework (Ala. Code § 35-8A-316) and the Alabama nonjudicial power-of-sale foreclosure regime (Ala. Code § 35-10-1 et seq.). Models § 35-10-13 three-successive-weeks publication, § 35-10-3 courthouse-door sale procedure (11 AM to 4 PM), and § 6-5-247 et seq. one-year statutory right of redemption with permitted redemptioners under § 6-5-248. Returns the recommended demand-letter and statement-of-lien dates, the earliest permissible sale date, the recommended first-publication date, and the one-year redemption end date.

AS 34.08.010 et seq. (Alaska Uniform Common Interest Ownership Act — adopted UCIOA verbatim)

Alaska UCIOA Assessment Lien Super-Priority Calculator — Six-Month Window (AS 34.08.470)

Compute the super-priority and sub-priority breakdown of an Alaska common interest community assessment lien under the Alaska Uniform Common Interest Ownership Act (AS 34.08.010 et seq.; adopted UCIOA verbatim). Models AS 34.08.470(a) automatic statutory lien; AS 34.08.470(b) six-month super-priority over the recorded first mortgage; AS 34.08.470(c) reasonable costs and attorney fees recoverable as sub-priority unless the declaration provides otherwise; and AS 34.20.070 et seq. Alaska nonjudicial deed-of-trust foreclosure framework available when the declaration grants power of sale. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Alaska UCIOA AS 34.08.470 (statutory association lien and six-month super-priority)

Alaska CIC Foreclosure Timeline Calculator — Nonjudicial Deed-of-Trust, 90-Day Cure, 4-Week Sale Notice, No Redemption (AS 34.20.070, AS 34.20.080)

Project the procedural timeline of an Alaska common interest community assessment-lien nonjudicial deed-of-trust foreclosure under Alaska UCIOA AS 34.08.470 and the Alaska nonjudicial foreclosure framework at AS 34.20.070 et seq. Alaska permits nonjudicial foreclosure when the declaration grants power of sale; this is distinct from judicial-only states like Delaware. Models AS 34.20.070 90-day statutory cure right after recording the notice of default, AS 34.20.080 4-week sale-notice publication, and the no-post-sale-redemption framework that delivers clean title upon execution of the trustee's deed. Returns the days-delinquent count, procedural posture, cure-window end date, projected sale-notice and trustee's sale dates, and next-action recommendation.

Arizona Revised Statutes Title 33 Chapter 16 (Arizona Planned Communities Act

Arizona HOA Assessment Lien Calculator — ARS 33-1807 / 33-1256 (No Super-Priority; 1-Year or $1,200 Foreclosure Prerequisite)

Compute the Arizona HOA or condominium association assessment-lien total under the Arizona Planned Communities Act (ARS Title 33 Chapter 16; ARS 33-1807) or the Arizona Condominium Act (ARS Title 33 Chapter 9; ARS 33-1256). The lien attaches automatically when assessments come due and is enforceable by judicial foreclosure only — Arizona does NOT permit nonjudicial power-of-sale foreclosure for HOA assessment liens. ARS 33-1807(A) also imposes a statutory foreclosure prerequisite: the association may not foreclose unless the owner has been delinquent for one year or more OR the unpaid charges equal or exceed $1,200. Important: Arizona does NOT have a super-priority lien — the association lien is subordinate to a prior first mortgage of record. Returns the total lien amount, foreclosure-eligibility flag, priority status, estimated equity, and a recovery-probability classification for the collection file.

Arizona Revised Statutes Title 33 Chapter 16 (Arizona Planned Communities Act

Arizona HOA Foreclosure Timeline Calculator — ARS 33-1807(A) + Title 12 Chapter 8 (Judicial Only; 1-Year/$1,200 Prerequisite; 6-Month Redemption)

Project the Arizona HOA association judicial-foreclosure timeline under ARS 33-1807(A) (judicial foreclosure required; statutory prerequisite of 1-year delinquency or $1,200 in unpaid charges) and Title 12 Chapter 8 (Arizona judicial-foreclosure regime; ARS 12-1281 et seq.). Models the date of default, demand letter, ARS 33-1807(A) prerequisite satisfaction date, earliest permissible filing date, complaint filing in superior court, Ariz. R. Civ. P. 4 service of process, Ariz. R. Civ. P. 12(a)(1)(A) 20-day answer period, judgment of foreclosure, writ of special execution under ARS 12-1551, sheriff sale under ARS 12-1622, and the 6-month redemption period under ARS 12-1281 et seq. Returns a milestone calendar, the earliest permissible filing date, the projected sheriff sale date, and the projected redemption period expiry. Distinguishes standard county dockets (330 days) from extended-docket counties (Maricopa, Pima — 420 days). Arizona does NOT permit nonjudicial power-of-sale foreclosure for HOA assessment liens.

Arizona Revised Statutes § 33-1803 (Arizona Planned Communities Act: fines must be set in an adopted schedule

Arizona HOA Fines Calculator — ARS § 33-1803 / § 33-1243 (Schedule Required; 10-Day Notice; Hearing Committee; Protected-Activity Exemptions)

Compute the lawful fine amount for an Arizona HOA or condominium violation under the Arizona Planned Communities Act (ARS § 33-1803) or the Arizona Condominium Act (ARS § 33-1243). Arizona HOAs may NOT impose a fine that was not in an adopted fine schedule — a fine without an adopted schedule is void. Both statutes require at least 10 days written notice and an opportunity for an in-person hearing before a committee. Arizona also prohibits fines for political signs, religious displays, the American flag, and certain other protected activities under ARS § 33-1808 / § 33-1261. Returns the total fine under the schedule (capped at the schedule maximum aggregate), procedural validity, protected-activity flag, and the lawful fine amount.

Cal. Civ. Code § 5650 (delinquency definition

California HOA Assessment Lien & Foreclosure Timeline Calculator

Walk a California HOA assessment-lien enforcement file against the Davis-Stirling Common Interest Development Act (Cal. Civ. Code §§ 4000-6150): the 30-calendar-day pre-lien collection notice under § 5660, the board-vote prerequisite under § 5673, the lien recording and 10-day post-recording notice under § 5675, the $1,800 OR 12-month nonjudicial-foreclosure threshold under § 5705, the executive-session board-vote requirement to foreclose, the 90-day reinstatement window under § 5710 after a Notice of Default is recorded, and the 90-day post-trustee's-sale redemption right under § 5715(b). Returns the cure-window end date, earliest lien-recording date, threshold-met flags, reinstatement deadline, redemption deadline, and a next-action recommendation grounded in the statute.

Cal. Civ. Code § 5650(a) (delinquency definition — 15 days after due date by default unless CCRs specify a different period)

California HOA Late Fee & Interest Cap Calculator

Test a California HOA late-fee and interest charge against the Cal. Civ. Code § 5650(b) cap: late fee at the greater of $10 or 10% of the delinquent assessment; interest at up to 12% per annum on the delinquent assessment + late fee + reasonable costs; late fee and interest may not begin to accrue until 30 days after delinquency under § 5650(b)(4). Returns the maximum permissible late fee, the maximum permissible accrued interest, the effective charges (lesser of CCR-specified and statutory cap), the days remaining in the 30-day grace period, and an over-cap warning if the CCR-specified amounts exceed the statutory cap.

CRS 38-33.3-316(2)(b)(I) (six-month super-priority for common-expense assessments over recorded first security interest)

Colorado CCIOA Assessment Lien Priority Calculator — Six-Month Super-Priority

Compute the six-month super-priority and sub-priority breakdown of a Colorado HOA assessment lien under CCIOA (CRS 38-33.3-316(2)(b)(I) super-priority over the recorded first mortgage; CRS 38-33.3-316(2)(b)(II) sub-priority for the remainder of the lien; CRS 38-33.3-316(11) 60-day pre-foreclosure notice prerequisite). Returns the super-priority dollar amount, the sub-priority dollar amount, the total lien, the estimated equity position after the first mortgage and foreclosure costs, and the heuristic recovery-probability bands for each priority tier.

CRS 38-33.3-316(11) (60-day pre-foreclosure notice and cure opportunity prerequisite)

Colorado HOA Foreclosure Timeline Calculator — CCIOA 60-Day Notice + Public Trustee Sale

Compute the earliest permissible Public Trustee sale date and the procedural posture of a Colorado HOA assessment-lien foreclosure under CCIOA (CRS 38-33.3-316(11) 60-day pre-foreclosure notice and cure prerequisite; CRS 38-33.3-209.5 dispute-resolution prerequisite carve-out for assessment collection) and the Public Trustee Act (CRS 38-38-101 et seq.; 110-125 day sale window after Notice of Election and Demand; CRS 38-38-103 publication requirements). Returns the 60-day cure window status, the earliest NED filing date, the earliest and latest permissible sale dates, and the first-publication deadline.

CRS § 38-33.3-209.5 (Colorado CCIOA fines: association may impose fines for violations of the declaration

Colorado HOA Fines Calculator — CRS § 38-33.3-209.5 (30-Day Advance Notice; Fine Schedule; Hearing; No Statutory Per-Day Cap)

Compute the lawful fine amount for a Colorado CCIOA community-association violation under CRS § 38-33.3-209.5. Colorado requires an adopted and published fine schedule, at least 30 CALENDAR DAYS' written advance notice before any fine may be imposed, and an opportunity for a hearing. Colorado's 30-day advance notice requirement is the longest mandatory cure window of any state covered by this platform — longer than Arizona (10 calendar days), Nevada (10 business days), and Florida (14 calendar days). There is no statutory per-day dollar cap in Colorado; the declaration and adopted rules control. Returns the effective per-day rate (capped at the rules maximum), the aggregate-capped fine, and the lawful amount — reduced to $0 when any CRS § 38-33.3-209.5 procedural requirement is not met.

CGS Sec. 47-258(a) (statutory association lien arising automatically on each assessment)

Connecticut CIOA Assessment Lien Super-Priority Calculator — Nine-Month UCIOA Adoption

Compute the super-priority and sub-priority breakdown of a Connecticut HOA / condominium assessment lien under the Connecticut Common Interest Ownership Act (CIOA, CGS Sec. 47-200 through 47-295). Models CGS Sec. 47-258(a) statutory lien; CGS Sec. 47-258(b) nine-month super-priority over the first mortgage with reasonable attorney fees and costs statutorily included (a Connecticut-distinguishing feature confirmed in Anderson v. Whitten and Wilton Crest Condo. v. Stern); and CGS Sec. 47-258(j) priority confirmation. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

CGS Sec. 47-258(m) (judicial foreclosure of the association lien)

Connecticut HOA Foreclosure Timeline Calculator — Strict Foreclosure & Foreclosure by Sale

Project the procedural timeline of a Connecticut HOA / condominium assessment-lien foreclosure under CGS Sec. 47-258(m) judicial-foreclosure procedure, CGS Sec. 49-29 strict foreclosure with law days (Connecticut default), and CGS Sec. 49-24 foreclosure by sale. Returns the recommended demand-letter and lien-recording dates, projected return day, projected judgment date, and the earliest / typical / outer-bound law-day or sale-date windows for the elected procedure.

DC Official Code § 42-1903.13(a) (statutory assessment lien attaches automatically when assessments come due

DC Condo Assessment Lien Super-Priority Calculator

Compute the District of Columbia condominium association assessment-lien split between the six-month super-priority portion (DC Official Code § 42-1903.13(a)(2), priority over first mortgages of record) and the sub-priority portion under the DC Condominium Act (DC Official Code Title 42, Chapter 19). Returns the super-priority dollar amount, the sub-priority dollar amount, an equity estimate from market value minus the first mortgage balance, and a recovery-probability classification (strong, mixed, weak) for the collection file.

DC Official Code § 42-1903.13 (statutory assessment lien and six-month super-priority over first mortgages of record)

DC Condo Foreclosure Timeline Calculator

Project the District of Columbia condominium association foreclosure timeline under DC Official Code § 42-1903.13(c)(4) (nonjudicial power-of-sale) and the § 42-1903.13(c) 60-day right-to-cure notice prerequisite, or under DC Superior Court judicial foreclosure. Returns the earliest right-to-cure close date, the projected sale date, the days-to-sale countdown, and a verdict identifying the current procedural posture.

25 Del. C. § 81-119 (DUCIOA applicability — common interest communities created on or after September 30

DUCIOA Assessment Lien Super-Priority Calculator — Six-Month Delaware Window (25 Del. C. § 81-316)

Compute the super-priority and sub-priority breakdown of a Delaware common interest community assessment lien under the Delaware Uniform Common Interest Ownership Act (DUCIOA, 25 Del. C. § 81-101 et seq.; adopted UCIOA verbatim). Models 25 Del. C. § 81-316(a) automatic statutory lien; § 81-316(b) six-month super-priority over the recorded first mortgage; § 81-316(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 81-316(j) judicial foreclosure under 10 Del. C. § 5061 et seq. with a 3-day post-sale confirmation window under 10 Del. C. § 5065. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

DUCIOA § 81-316(j) (judicial foreclosure required for CIC assessment liens — Delaware judicial-only

Delaware CIC Foreclosure Timeline Calculator — Judicial-Only, 12-15 Month Timeline, 3-Day Confirmation (10 Del. C. § 5061, § 5065)

Project the procedural timeline of a Delaware common interest community assessment-lien foreclosure under DUCIOA § 81-316(j) and the Delaware judicial-foreclosure procedure of 10 Del. C. § 5061 et seq. Delaware is judicial-only for assessment liens; there is no nonjudicial power-of-sale alternative. Models the 10 Del. C. § 5061 complaint and 20-day Superior Court answer period, the typical 4-8 month pre-judgment timeline, the 60-90 day sheriff's sale lead time, and the 3-day post-sale confirmation challenge window under 10 Del. C. § 5065. Returns the days-delinquent count, procedural posture, projected judgment and sheriff's sale dates, confirmation-window end date, and next-action recommendation.

F.S. § 718.303(3)–(4)

Florida HOA & Condo Fine Calculator

Check the lawful maximum and the procedural validity of a Florida community-association fine under F.S. § 718.303(3)–(4) (condo) or § 720.305(2) (HOA). Walks the statutory ladder — $100/day cap, $1,000 per-violation aggregate cap, 14-day notice, hearing committee composition, and the rules on whether the fine can become a lien.

F.S. § 718.116(3)

Florida HOA & Condo Late Fee + Past-Due Interest Calculator

Compute the total owed on a past-due Florida community-association assessment: principal, statutory late fee (greater of $25 or 5%), past-due interest (capped at 18% per F.S. § 718.116(3) / § 720.3085), and projected attorney-fee exposure if collection proceeds to a lien.

F.S. § 718.116

Florida Association Lien & Foreclosure Timeline Calculator

Project the full collection arc on a delinquent Florida community-association account: total owed (assessments + 18% statutory interest + collection costs + attorney fees), the current procedural step on the lien-foreclosure ladder, the next-step deadline under the two 45-day notice clocks (F.S. § 718.121(4) / § 720.3085(4) pre-claim; § 718.116(6)(b) / § 720.3085(3)(d) pre-foreclosure), the typical 6–15 month judicial foreclosure window, and the safe-harbor cap on first-mortgage lender take-out under § 718.116(1)(b) / § 720.3085(2)(c).

F.S. § 720.3085(2)(b) (HOA notice of intent to record lien

Florida HOA / Condo Pre-Lien Notice Calculator

Walk a Florida HOA or condominium pre-lien notice of intent to record a claim of lien against the 45-calendar-day statutory window under F.S. § 720.3085(2)(b) (HOA) and F.S. § 718.121(4) (condo, post-2024 SB 154 unification). Returns the effective service date (signed return-receipt or dispatch + 5-day common-law presumption), the earliest date the association may record the Claim of Lien, the days-remaining countdown, the procedural posture (not sent / within window / window expired — may file), and whether the attorney-fee shift under F.S. § 718.116(6)(b) / § 720.3085(1)(b) is preserved. Filing a lien without the proper 45-day notice voids the lien and forfeits attorney-fee recovery.

OCGA 44-3-220 to 44-3-235 (Georgia Property Owners' Association Act)

Georgia POAA Assessment Lien & Foreclosure Calculator

Compute the total assessment-lien amount, the OCGA 44-3-232(d) four-year lien-duration window, and the projected foreclosure path (judicial in superior court versus nonjudicial power-of-sale under OCGA 44-14-160 et seq.) for a Georgia property whose declaration has been submitted to the Property Owners' Association Act (OCGA 44-3-220 to 44-3-235). Reports principal, late charges, interest, attorney fees, and dispute-fee components; the lien expiration date; days remaining in the lien window; and the next-action recommendation for the collection file.

OCGA 44-3-220 to 44-3-235 (Georgia Property Owners' Association Act)

Georgia POAA Fines Defensibility Calculator

Compute the defensible fine amount and due-process compliance posture for a Georgia HOA fine under the Property Owners' Association Act (OCGA 44-3-220 to 44-3-235) and Bradford v. Eastside Place Homeowners' Ass'n. Georgia imposes NO statutory dollar cap on HOA fines; the controlling standards are authorization in the recorded declaration, reasonable due-process procedures (notice with cure period, hearing before an impartial decision-maker), and reasonableness of the fine amount relative to the violation. Returns per-Bradford-factor compliance flags, the deficiency list, the defensible fine amount, and a recommended documentation checklist for the violation file.

HRS 514B-146(a) (statutory assessment lien attaches automatically when assessments come due

Hawaii Condo Assessment Lien Super-Priority Calculator

Compute the Hawaii condominium association assessment-lien split between the six-month super-priority portion (HRS 514B-146(g), priority over first mortgages of record) and the sub-priority portion under the Hawaii Condominium Property Act (HRS Chapter 514B). Returns the super-priority dollar amount, the sub-priority dollar amount, an equity estimate from market value minus the first mortgage balance, and a recovery-probability classification (strong, mixed, weak) for the collection file.

HRS Chapter 514B (Hawaii Condominium Property Act)

Hawaii Condo Foreclosure Timeline Calculator

Project the Hawaii condominium foreclosure sale date for the elected path — judicial under HRS Chapter 667 Part I (the default) or nonjudicial under HRS Chapter 667 Part II (restricted; requires recorded master agreement or owner consent). Models the HRS 514B-146.5 mandatory pre-foreclosure mediation prerequisite for the nonjudicial path with the 60-day election window and the 90-day conduct window. Returns the projected sale date, the mediation-required flag, the path-availability check, and the days-to-sale countdown.

765 ILCS 605/9(g)(1) (Illinois Condominium Property Act — six-month super-priority over first mortgage)

Illinois Condo and CICAA Assessment Lien & Super-Priority Calculator

Compute the total Illinois association assessment lien (unpaid assessments + late fees + interest + attorney fees + costs) and the six-month super-priority dollar amount under 765 ILCS 605/9(g)(1) for condominiums. CICAA (765 ILCS 160) liens do NOT include the super-priority — the calculator surfaces the distinction. Returns total lien, super-priority position, projected foreclosure path, and a verdict-text summary for collection counsel.

765 ILCS 605/9(g)(3) (Illinois Condominium Property Act — super-priority lien payoff: mortgagee must pay the lesser of six months of common-expense assessments or the actual delinquency)

Illinois Condo Super-Priority Lien Payoff Calculator

Compute the Illinois condominium super-priority lien payoff amount under 765 ILCS 605/9(g)(3): the lesser of six months of common-expense assessments or the actual delinquency. Returns the super-priority cap, the amount the mortgagee must pay to extinguish the association's senior lien, the regular (subordinate) lien balance remaining after payoff, and whether the full delinquency falls within the six-month super-priority cap.

765 ILCS 605/18.4(l) (Illinois Condominium Property Act — board authority to levy reasonable fines for violations

Illinois Condominium and CICAA Fines Calculator

Compute the total fine amount, the lawful ceiling under the declaration fine schedule, and the procedural validity of an Illinois condominium (765 ILCS 605/18.4(l)) or CICAA (765 ILCS 160/1-45) fine. Unlike Florida, Illinois imposes no statutory per-day cap on fines — the declaration controls the schedule. Returns the total fine charged, the declared maximum (lawful ceiling), any overage, a procedural validity checklist (notice and hearing), and a lien-eligibility note.

Indiana Code Title 32 Article 25 (Indiana Condominium Act)

Indiana Condo Assessment Lien Calculator — Ind. Code 32-25-6-3 (No Super-Priority; Six-Year SOL Under 34-11-2-9)

Compute the Indiana condominium / HOA association assessment-lien total under the Indiana Condominium Act (Ind. Code Title 32 Article 25) and the Indiana Homeowners Association Act (Title 32 Article 25.5). Models Ind. Code 32-25-6-3 lien attachment (automatic when assessments come due) and perfection (statement of lien recorded with the county recorder). Important: Indiana does NOT have a super-priority lien for condominium or HOA assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement proceeds by judicial foreclosure under Ind. Code 32-29 (Mortgage Foreclosure). Constrained by the six-year statute of limitations on contract debt under Ind. Code 34-11-2-9. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification (strong, mixed, weak).

Ind. Code 32-25-6-3(d) (Indiana Condominium Act — association lien enforceable through judicial foreclosure under Ind. Code 32-29)

Indiana HOA Foreclosure Timeline Calculator — Ind. Code 32-29 Judicial Foreclosure (3-Month Upset Window)

Project the procedural timeline of an Indiana HOA / condominium assessment-lien foreclosure under Ind. Code 32-25-6-3(d) (Condominium Act lien enforcement) proceeding judicially under Ind. Code 32-29 (Mortgage Foreclosure). Indiana is judicial-only for HOA assessments unless the declaration grants a power of sale to a trustee (rare). Models the Indiana Trial Rule 4 service requirements, the Trial Rule 6 answer period, the typical summary-judgment hearing window, and the statutory three-month upset window between decree and sheriff sale under Ind. Code 32-29-7-3. Returns the recommended demand-letter and statement-of-lien dates, the earliest permissible sheriff sale date from the summary-judgment date, the projected sheriff sale date from the complaint-filing date, and a procedural posture flag.

IC 32-25.5-3-7 (Indiana Condominium Act: association may impose fines if authorized in the declaration or bylaws

Indiana HOA Fines Calculator — IC 32-25.5-3-7 (Indiana Condominium Act) & IC 32-21-13-5 (Planned Community Act)

Compute the lawful maximum HOA fine under Indiana association law — the Indiana Condominium Act (IC 32-25.5-3-7) or the Planned Community Act (IC 32-21-13-5). Like Washington, Indiana imposes no statutory per-day or aggregate dollar cap on HOA fines; the declaration and bylaws control the amount. Written notice and a hearing opportunity are required before any fine is imposed. The calculator applies your bylaw caps, flags overages, and assesses procedural compliance.

Iowa Horizontal Property Act

Iowa Condominium Assessment Lien Calculator — Subordinate to First Mortgage, No UCIOA Super-Priority (Iowa Code § 499B.15)

Compute the total Iowa condominium assessment lien, the priority status, and the projected recovery outlook under the Iowa Horizontal Property Act (Iowa Code Chapter 499B). Models Iowa Code § 499B.15 (statutory association lien attaches automatically; recording preserves priority under Iowa Code Chapter 558), the absence of any UCIOA-style super-priority (Iowa has not adopted UCIOA), the subordinate position behind a recorded first mortgage, and the Iowa Code § 614.1(5) 10-year limitations period for written-contract claims grounded in the recorded declaration. Returns the gross lien, net lien, priority status, limitations-exposure flag, and a heuristic recovery band.

Iowa Horizontal Property Act

Iowa HOA Foreclosure Timeline Calculator — Judicial-Only, 10-14 Month Timeline, 6-Month or 1-Year Post-Sale Redemption (Iowa Code Chapter 654 / § 654.5)

Project the procedural timeline of an Iowa HOA assessment-lien foreclosure under Iowa Code § 499B.15 (Horizontal Property Act) and the Iowa judicial foreclosure framework at Iowa Code Chapter 654. Iowa is a JUDICIAL-ONLY foreclosure state; there is no power-of-sale pathway. Models Iowa Rule of Civil Procedure 1.303 (20-day answer period), Iowa Code § 654.20 (nonresident notice procedures), the typical 10-14 month judicial timeline under shortened six-month redemption (16-20 months under default one-year redemption), the Iowa Code § 654.5 post-sale redemption period (6 months for owner-occupied homestead / smaller agricultural; 1 year for non-homestead / larger agricultural), and the post-redemption sheriff's deed. Returns days-delinquent, procedural posture, answer deadline, projected decree date, projected sale date, redemption-period end date, and next-action recommendation.

Kentucky Horizontal Property Law KRS § 381.805 et seq. (Kentucky condominium statutory framework — predates UCIOA and follows a distinct priority model)

Kentucky Condominium Assessment Lien Calculator — Subordinate Lien, 5-Year SOL (KRS § 381.860 / § 413.120)

Compute the total assessment lien, the priority position relative to the first mortgage, and the projected recovery band for a Kentucky condominium assessment lien under the Kentucky Horizontal Property Law (KRS § 381.805 et seq.) and the Master Deed Statute. Kentucky did NOT adopt the Uniform Common Interest Ownership Act (UCIOA); KRS § 381.860 creates a statutory association lien that attaches automatically but is SUBORDINATE to any first mortgage recorded before the lien attached. There is no UCIOA-style super-priority window. Models the 5-year statute of limitations on assessment claims under KRS § 413.120, equity-based recovery heuristics, and Master Commissioner sale dynamics under KRS Chapter 426.

Kentucky Horizontal Property Law KRS § 381.860 (statutory association assessment lien attaching automatically)

Kentucky Condominium Foreclosure Timeline Calculator — Judicial-Only, Master Commissioner Sale, 2/3-Appraisal Redemption (KRS Chapter 426 / § 426.530)

Project the procedural timeline of a Kentucky condominium assessment-lien foreclosure under the Kentucky Horizontal Property Law (KRS § 381.860) and the KRS Chapter 426 judicial foreclosure framework. Kentucky is EXCLUSIVELY JUDICIAL — there is no nonjudicial power-of-sale pathway. Models Kentucky Rules of Civil Procedure Rule 12.01 (20-day answer period), the typical 9-15 month judicial timeline, Master Commissioner sale procedure under KRS § 426.520 (appraisal and public-auction sale at the courthouse), and the KRS § 426.530 1-year right of redemption when the sale brings less than two-thirds of the appraised value. Returns the days-delinquent count, procedural posture, answer deadline, projected judgment date, projected Master Commissioner sale date, projected confirmation date, redemption-eligibility flag, and next-action recommendation.

Louisiana Condominium Act LSA-R.S. 9:1121.101 et seq. (Louisiana condominium statutory framework on a civil-law (Code Napoleon) legal tradition)

Louisiana Condominium Assessment Privilege Calculator — Subordinate Privilege, 10-Year Prescription (LSA-R.S. 9:1123.115 / LSA-C.C. art. 3499)

Compute the total assessment privilege, the rank position relative to the conventional mortgage, and the projected recovery band for a Louisiana condominium assessment claim under the Louisiana Condominium Act (LSA-R.S. 9:1121.101 et seq.). Louisiana is the only US state on a civil-law (Code Napoleon) legal tradition; the assessment claim is a civil-law PRIVILEGE rather than a common-law LIEN. LSA-R.S. 9:1123.115 creates a statutory privilege that attaches automatically but is SUBORDINATE to any conventional mortgage recorded before the privilege attached. There is NO UCIOA-style super-priority window. Models the 10-year liberative prescription on assessment claims under LSA-C.C. art. 3499, equity-based recovery heuristics, and executory-process enforcement dynamics under LSA-C.C.P. art. 2631 et seq.

Louisiana Condominium Act LSA-R.S. 9:1121.101 et seq.

Louisiana HOA / Condominium Foreclosure Timeline Calculator — Executory Process, 4-7 Months, No Post-Sale Redemption (LSA-C.C.P. art. 2631 / LSA-R.S. 9:1123.115)

Project the procedural timeline of a Louisiana condominium assessment-privilege foreclosure under the Louisiana Condominium Act (LSA-R.S. 9:1123.115) and the civil-law executory-process framework (LSA-C.C.P. art. 2631 et seq.). Louisiana is the only US state with a streamlined civil-law executory process — the underlying authentic act of declaration confesses judgment and the court issues an order for sheriff's seizure-and-sale directly without an answer period. Models the 3-day demand for payment under LSA-C.C.P. art. 2639, the 30-day notice / advertisement period under LSA-C.C.P. art. 2722-2724, the typical 4-7 month petition-to-sale timeline, and the general no-post-sale-redemption rule for executory-process sales. Returns the days-delinquent count, procedural posture, projected sheriff sale date, and next-action recommendation.

33 M.R.S. § 1601-102 (Maine Condominium Act applicability — condominiums created in Maine after the Act's effective date in full

Maine Condominium Assessment Lien Super-Priority Calculator — Six-Month Window (33 M.R.S. § 1603-116)

Compute the super-priority and sub-priority breakdown of a Maine condominium assessment lien under the Maine Condominium Act (33 M.R.S. § 1601-101 et seq.; UCIOA-derived framework). Models 33 M.R.S. § 1603-116(a) automatic statutory lien; § 1603-116(b) six-month super-priority over the recorded first mortgage; § 1603-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 1603-116(j) foreclosure mechanism channeled into Maine judicial foreclosure under 14 M.R.S. § 6321 et seq. (Maine abolished nonjudicial power-of-sale foreclosure decades ago). Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Maine Condominium Act 33 M.R.S. § 1603-116(j) (foreclosure mechanism hook for condominium assessment liens — channeled into Maine judicial foreclosure machinery)

Maine Condominium Foreclosure Timeline Calculator — Judicial-Only, 12-18 Month Timeline, 90-Day Post-Judgment Redemption (14 M.R.S. § 6321 / § 6322)

Project the procedural timeline of a Maine condominium assessment-lien foreclosure under 33 M.R.S. § 1603-116(j) and the Maine judicial foreclosure framework at 14 M.R.S. § 6321 et seq. Maine ABOLISHED nonjudicial power-of-sale foreclosure decades ago; there is no power-of-sale pathway. Models Maine Rules of Civil Procedure Rule 12 (20-day answer period), 14 M.R.S. § 6321-A (mediation requirement for owner-occupied residential foreclosures), the typical 12-18 month judicial timeline, the 14 M.R.S. § 6322 90-day post-judgment redemption period, and the post-redemption foreclosure sale. Returns the days-delinquent count, procedural posture, answer deadline, projected judgment date, redemption period end date, projected sale date, and next-action recommendation.

Md. Code

Maryland Condo Assessment Lien Super-Priority Calculator — Four-Month Window Under Md. RP Sec. 11-110(d)

Compute the super-priority and sub-priority breakdown of a Maryland condominium assessment lien under the Maryland Condominium Act (Md. Code, Real Property Article Title 11). Models Md. RP Sec. 11-110(a) statutory lien; Md. RP Sec. 11-110(d) FOUR-MONTH super-priority over the first mortgage (assessments only — Maryland does NOT include attorney fees in super-priority, unlike Connecticut); Md. RP Sec. 11-110(e) statement-of-lien recordation; and Md. RP Sec. 11-110(j) judicial foreclosure. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Md. RP Sec. 11-110(j) (judicial foreclosure of condominium association lien)

Maryland HOA Foreclosure Timeline Calculator — 45-Day Notice of Intent + Judicial Sale

Project the procedural timeline of a Maryland HOA / condominium assessment-lien judicial foreclosure under Md. RP Sec. 11-110(j) and Sec. 11B-117, Md. RP Sec. 7-105.1 / Sec. 14-204 / 14-205 45-day notice of intent to foreclose, Md. Rules Title 14 Chapter 200 foreclosure procedure, Md. Rule 14-210 sale advertising, and Md. Rule 14-305 exceptions to sale. Returns the recommended demand-letter and statement-of-lien recording dates, the earliest permissible filing date after the notice-of-intent window, the projected judgment date, the earliest / typical / outer-bound sale dates, and the projected ratification / deed-delivery date.

M.G.L. c.183A § 6(a) (common-expense liability allocated by beneficial interest)

Massachusetts Condo Assessment-Lien Super-Priority Calculator (M.G.L. c.183A § 6(c))

Compute the six-month super-priority dollar amount, the cumulative rolling-lien recovery available under Drummer Boy Homes Ass'n v. Britton (Mass. 2016), and the projected recovery against the first mortgagee for a delinquent Massachusetts condominium unit under M.G.L. c.183A § 6(c). Models the six-month assessment window, reasonable attorney's fees, and enforcement costs that compose the super-priority amount; projects rolling re-record recoveries across successive enforcement windows; and reports practical strategy guidance for the board treasurer and association counsel.

M.G.L. c.183A § 6(c) (six-month super-priority lien enforced through c.244 power-of-sale or c.254 judicial procedures)

Massachusetts Condo Foreclosure Timeline Calculator (M.G.L. c.244 §§ 14, 35A)

Compute the earliest permissible sale date for a Massachusetts condominium association power-of-sale foreclosure under M.G.L. c.244 §§ 14, 35A. Models the 90-day right-to-cure notice under § 35A, the 21-day publication window under § 14, and the 14-day mortgagor-notice deadline under § 14. Returns the earliest sale date, the cure expiration date, the earliest first-publication date, the latest mortgagor-notice deadline, and total days from first delinquency to earliest sale. Optionally validates a proposed sale date against the statutory minimums.

M.G.L. c.183A § 11 (organization of unit owners may impose charges for violations of rules/bylaws

Massachusetts Condo Fines Calculator (M.G.L. c.183A § 11)

Compute the lawful total fine for a Massachusetts condominium violation under M.G.L. c.183A § 11. Applies the bylaw per-day rate cap and aggregate maximum, checks procedural validity (written notice and hearing opportunity required), and determines whether the fine is eligible to be added to the common-expense lien under M.G.L. c.183A § 6. Returns the total lawful fine, per-occurrence cap status, procedural-compliance verdict, and lien-eligibility determination.

MCL Sec. 559.208(1) (automatic statutory lien for assessments

Michigan Condo Assessment Lien Calculator — No Super-Priority, Subordinate to First Mortgage (MCL Sec. 559.208)

Compute a Michigan condominium assessment-lien total and recovery analysis under the Michigan Condominium Act (MCL Sec. 559.101 et seq.). Models MCL Sec. 559.208(1) automatic statutory lien for assessments, interest, late charges, attorney fees, and collection costs; MCL Sec. 559.208(2) recording of the claim of lien with the register of deeds; MCL Sec. 559.207 personal obligation of the unit owner; MCL Sec. 600.5807(8) six-year statute of limitations on the underlying contract claim. Michigan has NO super-priority position over a prior recorded first mortgage — the association lien is subordinate. Returns the total lien amount, estimated equity above the first mortgage, recovery band, and limitations-period status.

MCL Sec. 559.208(2) (Michigan Condominium Act foreclosure by advertisement permitted if master deed grants power of sale)

Michigan Condo Foreclosure Timeline Calculator — Four-Week Advertisement + Redemption (MCL Sec. 600.3208 / 600.3240)

Project the procedural timeline of a Michigan condominium assessment-lien foreclosure proceeding by advertisement under MCL Sec. 600.3201 et seq. (when the master deed grants power of sale under MCL Sec. 559.208(2)) or judicially under MCL Sec. 600.3101 et seq. Models the four consecutive weekly publications and 15-day posting under MCL Sec. 600.3208, the sheriff's sale at the courthouse under MCL Sec. 600.3216, the six- or twelve-month redemption period under MCL Sec. 600.3240, and the sheriff's-deed title-vesting under MCL Sec. 600.3236. Returns the earliest permissible sale date, the required posting deadline, and the redemption-period end date.

Minn. Stat. Sec. 515B.1-102 (MCIOA applicability — common interest communities created on or after June 1

MCIOA Assessment Lien Super-Priority Calculator — Six- or Twelve-Month Minnesota Window (Minn. Stat. Sec. 515B.3-116)

Compute the super-priority and sub-priority breakdown of a Minnesota common interest community assessment lien under the Minnesota Common Interest Ownership Act (MCIOA, Minn. Stat. Ch. 515B). Models Minn. Stat. Sec. 515B.3-116(a) automatic statutory lien; Sec. 515B.3-116(b) six-month default super-priority over the recorded first mortgage; Sec. 515B.3-116(b) twelve-month expanded super-priority unique to Minnesota when the association gives the first mortgagee written notice of the delinquency at least 90 days before the enforcement action; Sec. 515B.3-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and Sec. 515B.3-116(g) nonjudicial foreclosure by advertisement under Minn. Stat. Ch. 580 if the declaration grants power of sale. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

MCIOA Sec. 515B.3-116(g) (nonjudicial foreclosure by advertisement permitted under Minn. Stat. Ch. 580 if declaration grants power of sale)

Minnesota CIC Foreclosure Timeline Calculator — Six-Week Publication, Six- or Twelve-Month Redemption (Minn. Stat. Ch. 580)

Project the procedural timeline of a Minnesota common interest community assessment-lien foreclosure under MCIOA Sec. 515B.3-116(g), proceeding nonjudicially by ADVERTISEMENT under Minn. Stat. Ch. 580 (where the declaration grants a power of sale) or judicially under Minn. Stat. Ch. 581. Models the Sec. 580.03 six-week publication window and four-week owner-service lead, the Sec. 580.23 six-month default owner redemption period (twelve months for agricultural and specified property under subd. 2), and the junior-lienholder redemption sequence under Sec. 580.24. Also surfaces the recommended 90-day pre-notice mailing date to the first mortgagee under MCIOA Sec. 515B.3-116(b) that triggers the twelve-month expanded super-priority window unique to Minnesota.

Minn. Stat. § 515B.3-116 (MCIOA assessment lien: six-month super-priority for periodic common expense assessments

Minnesota MCIOA Super-Priority Lien Calculator — Minn. Stat. § 515B.3-116

Compute the Minnesota MCIOA super-priority lien amount under Minn. Stat. § 515B.3-116: the lesser of six months of periodic common expense assessments or the actual delinquency. Flags two major Minnesota distinctions — (1) attorney fees are NOT in the MN super-priority (contrast NJ), and (2) non-judicial power-of-sale foreclosure is available under Minn. Stat. § 515B.3-116(b) and § 580 (a rare and significant advantage over most states that require judicial foreclosure).

Minn. Stat. § 515B.3-107 (MCIOA fine authority: must be authorized in declaration or bylaws

Minnesota HOA Fines Calculator — Minn. Stat. § 515B.3-107 (MCIOA)

Compute the lawful fine under Minn. Stat. § 515B.3-107 (MCIOA). Minnesota sets NO statutory per-day or aggregate fine cap — the governing documents (declaration or bylaws) control maximum amounts. Fine authority must be expressly authorized in the governing documents; written notice and a hearing opportunity are required before any fine is imposed. Lawfully imposed fines are collectible as assessments and lien-eligible under Minn. Stat. § 515B.3-116.

Mo. Rev. Stat. Sec. 448.1-102 (Missouri UCA applicability — condominiums created on or after September 28

Missouri Condo Assessment Lien Super-Priority Calculator — Six-Month Window (Mo. Rev. Stat. Sec. 448.3-116)

Compute the super-priority and sub-priority breakdown of a Missouri condominium assessment lien under the Missouri Uniform Condominium Act (Mo. Rev. Stat. Ch. 448). Models Sec. 448.3-116.1 automatic statutory lien; Sec. 448.3-116.2 six-month default super-priority over the recorded first mortgage or deed of trust; Sec. 448.3-116.3 reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and the Mo. Rev. Stat. Ch. 443 deed-of-trust foreclosure framework available where the declaration grants a power of sale. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Missouri UCA Sec. 448.3-116 (statutory association lien with enforcement hook to the Missouri deed-of-trust framework where the declaration grants a power of sale)

Missouri Condo Foreclosure Timeline Calculator — 20-Day Notice, 21-Day Limited Redemption (Mo. Rev. Stat. Ch. 443)

Project the procedural timeline of a Missouri condominium assessment-lien foreclosure under Missouri UCA Sec. 448.3-116, proceeding nonjudicially by TRUSTEE SALE under Mo. Rev. Stat. Ch. 443 (where the declaration grants a power of sale) or judicially. Models the Sec. 443.320 20-day published notice window, the Sec. 443.325 20-day owner-service lead, the Sec. 443.380 trustee-sale procedure, and the limited 21-day owner redemption window under Sec. 443.290 (bond required; narrowly available). Missouri is the original deed-of-trust state with one of the fastest foreclosure timelines in the country.

NRS 116.3116(1) (automatic association lien for unpaid assessments under the Nevada Common-Interest Ownership Act

Nevada HOA Super-Priority Lien Calculator

Allocate a Nevada community-association lien under NRS 116.3116(2)(b) into its super-priority piece (the nine-month carve-out that is senior to the first deed of trust and that, if foreclosed nonjudicially, extinguishes the first DOT under SFR Investments Pool 1 LLC v. U.S. Bank, N.A., 130 Nev. 742 (2014)) and its sub-priority piece (assessments above nine months, late fees, fines, interest, collection costs — junior to the first DOT). Reports the super-priority dollar amount, sub-priority dollar amount, total lien, the super-priority piece as a percentage of the first-mortgage balance, the LTV, the equity cushion, and an extinguishment-risk band that flags when the first mortgagee may strategically forfeit the deed of trust rather than tender. Tool, not advice — coordinate any tender, foreclosure-sale, or super-priority allocation with Nevada-licensed collection counsel.

NRS 116.31162 (notice of delinquent assessment for an association lien under Chapter 116

Nevada HOA Foreclosure Timeline Calculator

Project the procedural timeline for a Nevada community-association nonjudicial foreclosure under NRS 116.31162-116.31166: thirty-day cure window after the notice of delinquent assessment under NRS 116.31162, ninety days between the notice of default and election to sell under NRS 116.31163 and the recording of the notice of sale, twenty days of publication for the notice of sale under NRS 116.31164, conduct of sale under NRS 116.31165, and the sixty-day owner-redemption period after the deed of foreclosure under NRS 116.31166 (Nevada-specific). Reports the earliest permissible notice of default date, earliest notice of sale date, earliest sale date under the statutory minimum, realistic sale date with operational slack, total days from first delinquency, and the owner-redemption deadline. Tool, not advice — Nevada nonjudicial-foreclosure procedural defects routinely void sales on owner challenge; coordinate with Nevada-licensed collection counsel and the foreclosure trustee before recording any notice.

NRS 116.31031 (Nevada Chapter 116 CIOA fines: association may impose fines as authorized in CC&Rs/declaration

Nevada HOA Fines Calculator — NRS 116.31031 (Fine Schedule Required; 10-Business-Day Cure; Hearing; $100 Single-Fine Cap)

Compute the lawful fine amount for a Nevada community-association violation under NRS 116.31031 (Chapter 116 — Common Interest Ownership Act). Nevada requires an adopted and posted fine schedule, written notice plus 10 BUSINESS DAYS to cure before a fine may be imposed, and an opportunity for a hearing. The per-event fine may not exceed $100 unless the adopted schedule and declaration authorize a higher amount. Returns the effective per-day rate (capped at the CC&Rs/schedule maximum), the aggregate-capped fine, and the lawful amount — reduced to $0 when any NRS 116.31031 procedural requirement is not met.

RSA 356-B:46(I) (automatic statutory association lien arising on each unpaid assessment

New Hampshire Condominium Assessment Lien Priority Calculator — Six-Month Limited Priority (RSA 356-B:46)

Compute the limited-priority and sub-priority breakdown of a New Hampshire condominium assessment lien under the New Hampshire Condominium Act (RSA 356-B, enacted 1977 — pre-UCIOA framework). Models RSA 356-B:46(I) automatic statutory lien; RSA 356-B:46(II) lien attachment and notice content; RSA 356-B:46(IV) limited priority over the recorded first mortgage to the extent of common-expense assessments during the six months immediately preceding enforcement (conservative reading); RSA 356-B:46(V) enforcement by foreclosure in the same manner as a mortgage (judicial OR nonjudicial power-of-sale under RSA 479 when the declaration includes a power-of-sale clause); and RSA 356-B:46(VI) recoverable attorney's fees and costs as sub-priority by default. Returns the limited-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

RSA 356-B:46(V) (condominium lien enforced in the same manner as a mortgage on real estate — dual-regime allows judicial OR nonjudicial power-of-sale when the declaration includes a power-of-sale clause)

New Hampshire Condominium Foreclosure Timeline Calculator — Dual Regime (Judicial OR Power-of-Sale under RSA 479)

Project the procedural timeline of a New Hampshire condominium assessment-lien foreclosure under RSA 356-B:46(V) — condominium liens are enforced in the same manner as a mortgage on real estate. New Hampshire permits BOTH judicial foreclosure in the Superior Court AND nonjudicial power-of-sale foreclosure under RSA 479 when the condominium declaration includes a power-of-sale clause. Models the RSA 479:25 notice-and-publication procedure (notice to unit owner at least 25 days before first publication; once-a-week publication for three successive weeks; minimum 21 days from first publication to sale) and the RSA 510:2 service requirements. Returns the days-delinquent count, procedural posture, recommended demand-letter and lien-recording dates, projected sale date, and next-action recommendation.

N.J.S.A. 46:8B-21(a) (statutory assessment lien attaches automatically when assessments come due

New Jersey Condo Assessment Lien Priority Calculator

Compute the New Jersey condominium association assessment-lien split between the six-month limited-priority portion (N.J.S.A. 46:8B-21(b), priority over first mortgages of record for REGULAR common-expense assessments only) and the sub-priority portion under the NJ Condominium Act (N.J.S.A. 46:8B-1 et seq.). Returns the limited-priority dollar amount, the sub-priority dollar amount (including special assessments, late charges, interest, and attorney fees — all of which fall outside the NJ statutory cap), an equity estimate, and a recovery-probability classification (strong, mixed, weak).

N.J.S.A. 46:8B-21.3 (New Jersey Condominium Act — super-priority lien: 6 months of common expense assessments plus reasonable attorney fees and collection costs

New Jersey Condo Super-Priority Lien Calculator

Compute the New Jersey condominium super-priority lien amount under N.J.S.A. 46:8B-21.3. NJ is one of the broadest super-priority regimes in the country: the priority slice covers six months of common expense assessments PLUS reasonable attorney fees and collection costs — unlike Illinois (assessments only) and Massachusetts (assessments only). Returns the total super-priority amount the mortgagee must pay to extinguish the association's senior lien, the regular subordinate lien balance, and a comparison flag noting NJ's attorney-fee inclusion.

N.J.S.A. 46:8B-18 (New Jersey Condominium Act fines: no statutory per-day or aggregate cap

New Jersey HOA Fines Calculator — N.J.S.A. 46:8B-18 & N.J.S.A. 45:22A-44

Compute the lawful maximum fine under the New Jersey Condominium Act (N.J.S.A. 46:8B-18) and PREDFDA (N.J.S.A. 45:22A-44). Unlike North Carolina ($100/day, $2,000 aggregate statutory caps) and Florida ($100/day, $1,000 aggregate cap), NJ sets NO statutory per-day or aggregate cap — fine authority and limits come exclusively from the association's bylaws and fine schedule. A fine schedule in the bylaws is a prerequisite for any enforceable fine in NJ. The calculator checks procedural validity (written notice, hearing opportunity), applies bylaw caps, and determines whether the fine is lien-eligible under N.J.S.A. 46:8B-17.

New Mexico Condominium Act NMSA § 47-7A-1 et seq. (New Mexico's UCIOA-derived condominium and common-interest community statutory framework)

New Mexico CIC Assessment Lien Super-Priority Calculator — Six-Month UCIOA Super-Priority (NMSA § 47-7C-316)

Compute the six-month super-priority dollar amount and sub-priority portion of a New Mexico common-interest community assessment lien under the New Mexico Condominium Act (NMSA § 47-7A-1 et seq.). New Mexico adopted the UCIOA framework; NMSA § 47-7C-316(b) creates a six-month super-priority window for unpaid common-expense assessments that is PRIOR TO the first security interest on the unit. Returns the super-priority amount, sub-priority amount, total lien, and equity-based recovery analysis. Models the automatic lien attachment at NMSA § 47-7C-316(a), the recording mechanics at NMSA § 47-7C-316(c), the reasonable-fee inclusion at NMSA § 47-7C-316(d), and the three-year statute of limitations at NMSA § 47-7C-316(e).

New Mexico Condominium Act NMSA § 47-7C-316 (statutory association assessment lien with six-month super-priority)

New Mexico CIC Foreclosure Timeline Calculator — Judicial-Only, Special-Master Sale, Nine-Month Redemption (NMSA § 39-5-1 / § 39-5-18)

Project the procedural timeline of a New Mexico common-interest community assessment-lien foreclosure under the New Mexico Condominium Act (NMSA § 47-7C-316) and the New Mexico judicial-foreclosure framework at NMSA § 39-5-1 et seq. New Mexico is EXCLUSIVELY JUDICIAL — there is no nonjudicial power-of-sale pathway. Models Rule 1-012 NMRA (30-day answer period), the typical 12-15 month judicial timeline, special-master sale procedure, and the NMSA § 39-5-18 nine-month right of redemption (one of the longest in the country). Returns the days-delinquent count, procedural posture, answer deadline, projected judgment date, projected special-master sale date, projected confirmation date, redemption period end date, and next-action recommendation.

RPL Sec. 339-z (statutory condominium lien

New York Condominium Common-Charge Lien Priority Calculator — RPL Sec. 339-z Six-Month Limited Priority

Compute the limited-priority and sub-priority breakdown of a New York condominium common-charge lien under the New York Condominium Act (RPL Article 9-B, Sec. 339-d through 339-kk): RPL Sec. 339-z statutory lien with a SIX-MONTH limited priority over the first mortgage (regular common charges only — attorney fees, special assessments, late fees, and interest are NOT within priority, distinguishing New York from UCIOA-adopting jurisdictions like Connecticut); RPL Sec. 339-aa recording and judicial enforcement under RPAPL Article 13 (New York is an exclusively judicial-foreclosure state). Returns limited-priority dollars, sub-priority dollars, total lien gross and net, estimated equity, and recovery bands for each priority layer.

RPL Sec. 339-aa (judicial enforcement of the condominium lien under RPAPL Article 13)

New York Condominium Foreclosure Timeline Calculator — RPAPL Article 13 Judicial Foreclosure

Project the New York condominium common-charge lien judicial-foreclosure timeline under RPL Sec. 339-aa (judicial enforcement) and RPAPL Article 13 (Sec. 1301-1391). New York is an EXCLUSIVELY JUDICIAL foreclosure jurisdiction — no power-of-sale enforcement permitted under any circumstance. Returns the demand-letter date, lien-recording date, service deadline (CPLR Sec. 306-b 120-day cap), projected answer deadline (CPLR Sec. 320(a)), motion-for-order-of-reference date (RPAPL Sec. 1321), referee's report date, judgment of foreclosure and sale date, and projected sale date. Typical NYC uncontested timeline 24-36 months; longer when contested.

N.C.G.S. Sec. 47F-3-116(a) (claim of lien recording and perfection)

North Carolina Planned Community Assessment Lien Super-Priority Calculator — N.C.G.S. Sec. 47F-3-116 Nine-Month UCIOA Adoption

Compute the super-priority and sub-priority breakdown of a North Carolina HOA / planned-community assessment lien under the North Carolina Planned Community Act (N.C.G.S. Chapter 47F). Models N.C.G.S. Sec. 47F-3-116(a) claim-of-lien recording and perfection; N.C.G.S. Sec. 47F-3-116(b) nine-month super-priority over the first deed of trust (assessments only — North Carolina does NOT extend the super-priority to attorney fees, contrasting Connecticut and Massachusetts); and N.C.G.S. Sec. 47F-3-116(e) recoverable fees and costs that fall within the sub-priority position. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

N.C.G.S. Sec. 47C-3-116(a) (claim of lien recording and perfection)

North Carolina Condominium Assessment Lien Super-Priority Calculator — N.C.G.S. Sec. 47C-3-116 Nine-Month UCIOA Adoption

Compute the super-priority and sub-priority breakdown of a North Carolina condominium common-area assessment lien under the North Carolina Condominium Act (N.C.G.S. Chapter 47C). Models N.C.G.S. Sec. 47C-3-116(a) claim-of-lien recording and perfection; N.C.G.S. Sec. 47C-3-116(b) nine-month super-priority over the first deed of trust (assessments only — North Carolina condominium super-priority excludes attorney fees, the same posture as Chapter 47F planned communities and a contrast to Connecticut and Massachusetts); and N.C.G.S. Sec. 47C-3-116(e) recoverable fees and costs that fall within the sub-priority position. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

N.C.G.S. Sec. 47F-3-116(g) (planned-community power-of-sale cross-reference)

North Carolina HOA Foreclosure Timeline Calculator — Chapter 45 Power-of-Sale with Upset-Bid Window

Project the procedural timeline of a North Carolina HOA or condominium assessment-lien foreclosure under N.C.G.S. Sec. 47F-3-116(g) (planned community) or N.C.G.S. Sec. 47C-3-116(g) (condominium), proceeding under the N.C.G.S. Chapter 45, Article 2A power-of-sale mechanics. Models the claim-of-lien recording prerequisite, the N.C.G.S. Sec. 45-21.16 prepetition notice and clerk's hearing, the N.C.G.S. Sec. 45-21.17 publication window, the trustee's sale, and the N.C.G.S. Sec. 45-21.27 ten-day upset-bid window unique to North Carolina. Returns the earliest permissible sale date and the upset-bid deadline.

N.C.G.S. Sec. 47F-3-107.1 (Planned Community Act fines: $100/day per violation

North Carolina HOA Fines Calculator — N.C.G.S. Sec. 47F-3-107.1 & Sec. 47C-3-102.1 Fine Caps

Compute the lawful maximum fine under the North Carolina Planned Community Act (N.C.G.S. Sec. 47F-3-107.1) and the North Carolina Condominium Act (N.C.G.S. Sec. 47C-3-102.1). Both statutes cap fines at $100 per day per violation and $2,000 aggregate per violation. The calculator checks procedural validity (10-day written notice; hearing opportunity), flags any overage above the statutory cap, and determines whether the past-due fine is eligible to become an assessment lien under N.C.G.S. Sec. 47F-3-116 / Sec. 47C-3-116.

Ohio Revised Code Chapter 5311 (Ohio Condominium Property Act)

Ohio Condo Assessment Lien Calculator — ORC 5311.18 (No Super-Priority; Judicial Foreclosure Only)

Compute the Ohio condominium association assessment-lien total under the Ohio Condominium Property Act (Ohio Revised Code Chapter 5311) and ORC 5311.18 (lien attaches automatically; perfected by statement of lien filed with the county recorder; enforceable by judicial foreclosure under ORC Chapter 2329). Important: Ohio does NOT have a super-priority lien for condominium assessments — the association lien is subordinate to a first mortgage of record that pre-dates the unpaid assessment. Returns the total lien amount, priority status, estimated equity available to the association, and a recovery-probability classification (strong, mixed, weak) for the collection file.

Ohio Revised Code Chapter 5311 (Ohio Condominium Property Act)

Ohio Condo Foreclosure Timeline Calculator — ORC 5311.18(B) + ORC Chapter 2329 (Judicial Only)

Project the Ohio condominium association judicial-foreclosure timeline under ORC 5311.18(B) (enforcement by judicial foreclosure in the same manner as a mortgage on real property) and ORC Chapter 2329 (Ohio judicial-foreclosure regime). Models the date of default, complaint filing in the common pleas court, Ohio Civil Rule 4 service of process, Ohio Civil Rule 12(A) 28-day answer period, judgment of foreclosure, order of sale, sheriff sale, and confirmation of sale. Returns a milestone calendar, the projected sheriff sale date, and a target-judgment-on-track flag. Distinguishes the standard county docket (270 days) from extended-docket counties (Cuyahoga, Franklin, Hamilton — 360 days). Ohio does NOT permit nonjudicial power-of-sale foreclosure for condominium assessment liens.

ORC § 5311.18 (Ohio Condominium Property Act: assessment lien attaches from date of nonpayment

Ohio HOA Assessment Lien Calculator — ORC § 5311.18 (Condo) & § 5312.14 (Planned Community) Lien Amount & Priority

Compute the total Ohio HOA or condominium assessment lien amount (principal + late fees + attorney fees) under ORC § 5311.18 (Ohio Condominium Property Act) or ORC § 5312.14 (Ohio Planned Community Act). Ohio requires judicial foreclosure to enforce assessment liens and does NOT provide a confirmed statutory super-priority over a recorded first mortgage — unlike Illinois (six-month super-priority) or Massachusetts. The calculator flags this as "limited priority," estimates the judicial foreclosure timeline (12–24 months), and explains the lien attachment mechanics under Ohio law.

ORC § 5311.041 (Ohio Condominium Property Act: fine authority if authorized by governing documents

Ohio HOA Fines Calculator — ORC § 5311.041 (Condo) & § 5312.07 (Planned Community) — Declaration-Controlled Caps, Procedural Validity & Lien Conversion

Compute the lawful maximum Ohio HOA or condominium fine under ORC § 5311.041 (Ohio Condominium Property Act) or ORC § 5312.07 (Ohio Planned Community Act). Ohio has NO statutory per-day or aggregate fine cap — the governing documents control. Enter your declaration's fine schedule to apply the declaration-controlled cap. The calculator checks procedural validity (reasonable notice and opportunity to be heard), flags any overage above the declaration cap, and determines whether the unpaid fine converts to a lienable assessment under ORC § 5311.18 / § 5312.14. Contrasts with North Carolina ($100/day, $2,000 aggregate cap) and Florida ($100/day, $1,000 aggregate cap).

ORS Chapter 94 (Oregon Planned Community Act — planned communities

Oregon HOA Assessment Lien Super-Priority Calculator — Six-Month Window (ORS 94.709 / ORS 100.450)

Compute the super-priority and sub-priority breakdown of an Oregon HOA / condominium assessment lien under the Oregon Planned Community Act (ORS 94.709) and the Oregon Condominium Act (ORS 100.450). Models the automatic statutory lien arising on each unpaid assessment, the six-month super-priority over the recorded first mortgage based on the periodic budget as assessments would have come due in the absence of acceleration (Oregon adopted the half-year window common across UPCA states, shorter than the model UCIOA nine months), reasonable attorneys' fees and costs statutorily included within the super-priority position, and judicial (ORS Chapter 88) or nonjudicial (Oregon Trust Deed Act, ORS 86.705-86.815) foreclosure paths. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

ORS 94.709(8) (PCA nonjudicial foreclosure permitted when declaration authorizes trust-deed foreclosure)

Oregon HOA Foreclosure Timeline Calculator — 180-Day Trust-Deed Notice (ORS 86.764)

Project the procedural timeline of an Oregon HOA / condominium assessment-lien foreclosure under PCA ORS 94.709(8) (planned community) or Condo Act ORS 100.450(8) (condominium), proceeding nonjudicially under the Oregon Trust Deed Act (ORS 86.705-86.815) or judicially under ORS Chapter 88. Models the ORS 86.752 notice of default, the ORS 86.764 180-day notice-of-default-to-sale window with 120-day notice-of-sale period, the ORS 86.778 cure cutoff 5 days before sale, the ORS 86.755(2) postponement window up to 180 days, and the ORS Chapter 105 forcible-entry-and-detainer remedy for non-vacating former owners. Returns the recommended demand-letter and lien-recording dates, the earliest permissible sale date, the recommended notice-of-sale recording date, and the cure cutoff date.

68 Pa. C.S. Sec. 5315(a) (UPCA statutory association lien arising automatically on each assessment)

Pennsylvania UPCA / UCA Assessment Lien Super-Priority Calculator — Six-Month Window (68 Pa. C.S. Sec. 5315 / 3315)

Compute the super-priority and sub-priority breakdown of a Pennsylvania HOA or condominium assessment lien under the Pennsylvania Uniform Planned Community Act (UPCA, 68 Pa. C.S. Sec. 5101 et seq.) or the Pennsylvania Uniform Condominium Act (UCA, 68 Pa. C.S. Sec. 3101 et seq.). Models 68 Pa. C.S. Sec. 5315(a) / Sec. 3315(a) statutory association lien (automatic on each assessment); 68 Pa. C.S. Sec. 5315(b) / Sec. 3315(b) six-month super-priority over the recorded first mortgage (assessments only — Pennsylvania did NOT adopt the UCIOA attorney-fees-in-super-priority carve-out); and Sec. 5315(g) / Sec. 3315(g) judicial-foreclosure procedure. Returns super-priority and sub-priority dollar amounts, total lien net of payments, and recovery probability bands for each priority class.

68 Pa. C.S. Sec. 5315(g) (UPCA judicial foreclosure of the association lien in the Court of Common Pleas)

Pennsylvania HOA Foreclosure Timeline Calculator — Judicial-Only (68 Pa. C.S. Sec. 5315(g) / 3315(g))

Project the procedural timeline of a Pennsylvania HOA or condominium assessment-lien foreclosure under 68 Pa. C.S. Sec. 5315(g) (UPCA) / Sec. 3315(g) (UCA), 42 Pa. C.S. Sec. 8103 judicial-foreclosure framework, and Pa. R.C.P. 1141 et seq. (action of mortgage foreclosure). Pennsylvania is JUDICIAL-ONLY for HOA assessment liens — nonjudicial / power-of-sale foreclosure is NOT available. Returns recommended demand-letter and lien-recording dates, projected answer-due and judgment dates, and the typical and outer-bound sheriff-sale and confirmation windows. Surfaces Act 6 of 1974 (35 P.S. Sec. 1681 et seq.) and Act 91 of 1983 (HEMAP) timing as context for any parallel mortgage foreclosure.

R.I. Gen. Laws § 34-36.1-1.02 (Rhode Island Condominium Act applicability — condominiums created on or after July 1

Rhode Island Condominium Assessment Lien Super-Priority Calculator — Six-Month Window (R.I. Gen. Laws § 34-36.1-3.16)

Compute the super-priority and sub-priority breakdown of a Rhode Island condominium assessment lien under the Rhode Island Condominium Act (R.I. Gen. Laws § 34-36.1-1.01 et seq.; UCIOA-derived framework). Models R.I. Gen. Laws § 34-36.1-3.16(a) automatic statutory lien; § 34-36.1-3.16(b) six-month super-priority over the recorded first mortgage; § 34-36.1-3.16(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 34-36.1-3.16(j) foreclosure mechanism authorizing both judicial and nonjudicial power-of-sale foreclosure under R.I. Gen. Laws § 34-27. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

R.I. Gen. Laws § 34-36.1-3.16(j) (foreclosure mechanism hook for condominium assessment liens — Rhode Island authorizes both judicial and nonjudicial power-of-sale foreclosure)

Rhode Island Condominium Foreclosure Timeline Calculator — Nonjudicial Power-of-Sale, 90-120 Day Timeline, No Statutory Redemption (R.I. Gen. Laws § 34-27)

Project the procedural timeline of a Rhode Island condominium assessment-lien foreclosure under R.I. Gen. Laws § 34-36.1-3.16(j) and the Rhode Island nonjudicial power-of-sale framework of R.I. Gen. Laws § 34-27. Rhode Island authorizes both judicial and nonjudicial foreclosure; nonjudicial power-of-sale is the predominant residential mechanism. Models § 34-27-4 (45-day mortgagor notice), § 34-27-3 (21-day publication of the notice of sale), the typical 90-120 day nonjudicial sale timeline, and the absence of any statutory post-sale redemption period. Returns the days-delinquent count, procedural posture, earliest permissible sale date, projected sale date, projected foreclosure-deed delivery date, and next-action recommendation.

South Carolina Code Annotated Title 27 Chapter 31 (Horizontal Property Act)

South Carolina HOA / Condo Assessment Lien Calculator — S.C. Code Ann. § 27-31-210 + § 27-30-130 (No Super-Priority; Three-Year SOL)

Compute the South Carolina HOA or condominium association assessment-lien total under the South Carolina Horizontal Property Act (S.C. Code Ann. § 27-31-10 et seq.) and the South Carolina Homeowners Association Act (§ 27-30-110 et seq.). Models § 27-31-210 condo lien attachment (automatic when assessments come due) and § 27-30-130 HOA recovery framework. Important: South Carolina does NOT have a super-priority lien for HOA or condominium assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement must proceed by JUDICIAL foreclosure in the Court of Common Pleas, typically referred to the county master-in-equity under SCRCP Rule 53; South Carolina has no nonjudicial trustee-sale path. Constrained by the three-year statute of limitations on contract debt under § 15-3-530. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification (strong, mixed, weak).

South Carolina Code Annotated Title 27 Chapter 31 (Horizontal Property Act)

South Carolina HOA / Condo Foreclosure Timeline Calculator — SCRCP Rule 53 Master-in-Equity + 30-Day Upset-Bid Window

Project the South Carolina HOA or condominium judicial-foreclosure timeline from default through master's deed under SCRCP Rule 53 (reference to master-in-equity) and S.C. Code Ann. § 15-39-650 (30-day upset-bid window). South Carolina is a JUDICIAL-FORECLOSURE-ONLY state with no nonjudicial trustee-sale path — but it is widely regarded as the LENDER-FRIENDLIEST judicial state, with complete cycles commonly running 6 to 12 months from complaint to deed. Models the procedural ladder from demand letter (60 days), statement of lien recording (90 days), complaint filed, 30-day answer deadline under SCRCP Rule 12(a), reference to master-in-equity, judgment of foreclosure, public sale (commonly at the county courthouse on the first Monday of the month), 30-day upset-bid window with 5% minimum increment, and master's deed. Returns projected sale date, upset-bid deadline, posture, and next-action recommendation.

Tennessee Code Annotated Title 66 Chapter 27 Part 2 (Tennessee Condominium Act)

Tennessee Condo Assessment Lien Calculator — Tenn. Code Ann. § 66-27-415 (No Super-Priority; Six-Year SOL Under § 28-3-109)

Compute the Tennessee condominium association assessment-lien total under the Tennessee Condominium Act (Tenn. Code Ann. Title 66 Chapter 27 Part 2) and the Tennessee Horizontal Property Act (Title 66 Chapter 27 Part 1). Models Tenn. Code Ann. § 66-27-415 lien attachment (automatic when assessments come due) and perfection (statement of lien recorded with the county register of deeds). Important: Tennessee does NOT have a super-priority lien for condominium assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement may proceed by nonjudicial trust-deed foreclosure under § 35-5-101 et seq. when the master deed grants power of sale, or by judicial foreclosure when it does not. Constrained by the six-year statute of limitations on contract debt under § 28-3-109. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification (strong, mixed, weak).

Tenn. Code Ann. § 66-27-415(c) (Tennessee Condominium Act — association lien enforceable in the same manner as a mortgage)

Tennessee HOA Foreclosure Timeline Calculator — § 35-5-101 Trust-Deed Sale (20-Day Advertisement)

Project the procedural timeline of a Tennessee HOA / condominium assessment-lien foreclosure under Tenn. Code Ann. § 66-27-415(c) (Condominium Act lien enforcement in the same manner as a mortgage), proceeding nonjudicially under Tenn. Code Ann. § 35-5-101 et seq. (Tennessee deed-of-trust foreclosure) when the master deed grants power of sale, or judicially in chancery court when it does not. Models § 35-5-101 notice of default, § 35-5-104 advertisement requirement (three publications; first publication at least 20 days before sale), § 35-5-107 sale procedure at the courthouse door. Returns the recommended demand-letter and statement-of-lien dates, the earliest permissible sale date from the first advertisement publication, and the recommended first-publication date from the targeted sale.

Tex. Prop. Code § 209.0091 (30-day pre-foreclosure notice by certified mail

Texas HOA Assessment Lien & Foreclosure Calculator

Walk a Texas HOA assessment-lien enforcement file against Texas Property Code Title 11 (Texas Residential Property Owners Protection Act): the 30-calendar-day pre-foreclosure notice under § 209.0091, the judicial-foreclosure default under § 209.0092, the attorney-fee preservation under § 209.008, and — most importantly for owners — the 180-day post-sale right of redemption under § 209.011 (unique to Texas in the HOA context; Florida has no equivalent). Returns the effective service date (signed return-receipt or dispatch + 5-day mailbox presumption), the earliest foreclosure-eligible date, a days-remaining countdown, the procedural posture (not sent / within window / window expired), and — if a foreclosure sale has occurred — the redemption deadline and days remaining to redeem.

Tex. Prop. Code § 209.006 (10-day written notice before fine

Texas HOA Fines & Procedural Validity Calculator

Walk a Texas HOA fine through the Tex. Prop. Code § 209.006 procedural ladder: 10-day written notice, opportunity to be heard before a properly composed committee (at least 3 owners who are not officers, directors, or employees), and the declaration daily cap. Returns total fine lawful vs. charged, any overage, lien eligibility under Chapter 209, and suspension eligibility under § 209.0051.

Utah Code § 57-8-44 (Condominium Ownership Act assessment lien

Utah HOA Assessment Lien Priority Calculator — Subordinate to First Mortgage

Compute the Utah HOA assessment-lien total and recovery band under Utah Code § 57-8-44 (Condominium Ownership Act) or § 57-8a-301 (Community Association Act). Utah did NOT adopt the UCIOA six-month super-priority; the association lien is categorically SUBORDINATE to the recorded first mortgage. Returns the total lien amount, governing statute citation, equity above the first mortgage, recovery band, and statute-of-limitations exposure flag under Utah Code § 78B-2-309.

Utah Code § 57-1-23 (power of sale

Utah HOA Foreclosure Timeline Calculator — Nonjudicial Trust-Deed Sale

Compute the projected trustee sale date and procedural posture of a Utah HOA nonjudicial trust-deed foreclosure under Utah Code § 57-1-23 et seq. (power of sale; Notice of Default; three-month cure; four-week Notice-of-Sale publication; trustee sale) and the HOA-specific authorizations under § 57-8-46(2) (condominium) and § 57-8a-302 (HOA / planned development). Returns the cure-window status, earliest first-publication date, earliest and latest permissible sale dates, and the procedural next action.

27A V.S.A. § 1-201 (VCIOA applicability — common interest communities created on or after January 1

VCIOA Assessment Lien Super-Priority Calculator — Six-Month Vermont Window (27A V.S.A. § 3-116)

Compute the super-priority and sub-priority breakdown of a Vermont common interest community assessment lien under the Vermont Common Interest Ownership Act (VCIOA, 27A V.S.A. § 1-101 et seq.; adopted UCIOA verbatim). Models 27A V.S.A. § 3-116(a) automatic statutory lien; § 3-116(b) six-month super-priority over the recorded first mortgage; § 3-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 3-116(j) judicial foreclosure under 12 V.S.A. § 4528 et seq. with a mandatory 90-day cure period. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

VCIOA § 3-116(j) (judicial foreclosure required for CIC assessment liens — Vermont strongly favors judicial foreclosure

Vermont CIC Foreclosure Timeline Calculator — Judicial-Only, 90-Day Cure, 180-Day or 1-Year Redemption (12 V.S.A. § 4528, § 4530)

Project the procedural timeline of a Vermont common interest community assessment-lien foreclosure under VCIOA § 3-116(j) and the Vermont judicial-foreclosure procedure of 12 V.S.A. § 4528 et seq. Vermont strongly favors judicial foreclosure with a mandatory 90-day cure period; there is no nonjudicial power-of-sale alternative. Models the 12 V.S.A. § 4528 complaint and mandatory 90-day cure, the 12 V.S.A. § 4530 redemption period (180-day default; 1-year for owner-occupied residential property), and the projected public sale date. Returns the days-delinquent count, procedural posture, cure deadline, redemption-period end date, projected sale date, and next-action recommendation.

Code of Virginia § 55.1-1833 (POAA assessment lien)

Virginia HOA Assessment Lien Calculator

Compute the total Virginia HOA or condominium assessment lien (delinquent assessment principal + declaration-authorized late charges + interest + reasonable attorney fees + collection costs), identify the foreclosure path (Virginia is JUDICIAL foreclosure by default unless the declaration grants the association a power of sale), and project the timeline. POAA liens under Code of Virginia § 55.1-1833; condo liens under § 55.1-1966. Returns total lien, recoverable portion, foreclosure path, and projected timeline.

Code of Virginia § 55.1-1820 (POAA fines authority and procedure: written notice + hearing required before imposition

Virginia HOA Fines Calculator

Compute the lawful fine for a Virginia HOA or condominium violation (days × per-day rate, capped by declaration limits), verify procedural compliance (written notice required + opportunity to be heard required under Code of Virginia § 55.1-1820 / § 55.1-1960), and determine whether the fine may become an assessment lien under § 55.1-1833 / § 55.1-1966. Virginia contains no statutory per-day cap — the declaration controls.

RCW 64.90.010 (WUCIOA applicability — common interest communities formed on or after July 1

WUCIOA Assessment Lien Super-Priority Calculator — Six-Month Washington Window (RCW 64.90.485)

Compute the super-priority and sub-priority breakdown of a Washington common interest community assessment lien under the Washington Uniform Common Interest Ownership Act (WUCIOA, RCW 64.90, applicable to projects formed on or after July 1, 2018). Models RCW 64.90.485(1) automatic statutory lien; RCW 64.90.485(3) six-month super-priority over the recorded first mortgage (Washington chose half the UCIOA nine-month model in a 2018 lender-protective compromise); RCW 64.90.485(4) reasonable attorneys' fees and costs statutorily included within the super-priority position; and RCW 64.90.485(10) judicial or nonjudicial foreclosure path. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

RCW 64.34.010 (Washington Condominium Act applicability — condominiums formed July 1

Washington Condominium Act Assessment Lien Super-Priority Calculator (RCW 64.34.364) — 1990-2018 Cohort

Compute the super-priority and sub-priority breakdown of a Washington condominium assessment lien under the Washington Condominium Act (RCW 64.34), the predecessor regime that still governs condominium projects formed between July 1, 1990 and June 30, 2018. Models RCW 64.34.364(1) automatic statutory lien; RCW 64.34.364(3) six-month super-priority over the recorded first mortgage (the same six-month math WUCIOA inherited in 2018); RCW 64.34.364(4) reasonable attorneys' fees and costs statutorily included within the super-priority position; and RCW 64.34.364(8) judicial or nonjudicial foreclosure path under the Deed of Trust Act. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

RCW 64.90.485(10) (WUCIOA nonjudicial foreclosure permitted if declaration so provides)

Washington HOA Foreclosure Timeline Calculator — 190-Day Nonjudicial Sale Notice (RCW 61.24)

Project the procedural timeline of a Washington HOA / condominium assessment-lien foreclosure under WUCIOA RCW 64.90.495 (post-2018 projects) or the Washington Condominium Act RCW 64.34.364(8) (1990-2018 projects), proceeding nonjudicially under the Deed of Trust Act (RCW 61.24) or judicially under RCW 61.12. Models the RCW 61.24.030 notice of default and 30-day cure period, the RCW 61.24.040 notice of sale with the distinctive 190-day notice and 120-day publication window (the longest nonjudicial-sale notice in the country), and the RCW 61.24.050 / 61.24.060 post-sale deed and vacate deadlines. Returns the recommended demand-letter and lien-recording dates, the cure deadline, the earliest permissible sale date, the publication-window start date, and the post-sale deed and vacate deadlines.

RCW 64.90.525 (WUCIOA: association may impose fines if authorized in declaration or rules

Washington HOA Fines Calculator — RCW 64.90.525 (WUCIOA), RCW 64.38.020 (HOA Act), RCW 64.34.354 (Condo Act)

Compute the lawful maximum HOA fine under Washington association law — WUCIOA (RCW 64.90.525, applicable to common-interest communities created after July 1, 2018), the Washington HOA Act (RCW 64.38.020), or the Washington Condominium Act (RCW 64.34.354). Unlike North Carolina ($100/day, $2,000 aggregate) and Florida ($100/day, $1,000 aggregate), Washington imposes no statutory per-day or aggregate dollar cap on HOA fines; the governing documents control the amount. WUCIOA additionally requires a 20-day written cure notice before any fine may be imposed. The calculator applies your governing-document caps, flags overages, and assesses procedural compliance.

W. Va. Code § 36B-1-201 (WVUCIOA applicability and scope — UCIOA-derived common interest community framework)

WVUCIOA Assessment Lien Super-Priority Calculator — Six-Month West Virginia Window (W. Va. Code § 36B-3-116)

Compute the super-priority and sub-priority breakdown of a West Virginia common interest community assessment lien under the West Virginia Uniform Common Interest Ownership Act (WVUCIOA, W. Va. Code § 36B-1-101 et seq.; UCIOA-derived framework). Models W. Va. Code § 36B-3-116(a) automatic statutory lien; § 36B-3-116(b) six-month super-priority over the recorded first mortgage; § 36B-3-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 36B-3-116(j) nonjudicial trustee-sale foreclosure under W. Va. Code § 38-1-1 et seq. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

WVUCIOA § 36B-3-116(j) (nonjudicial trustee-sale foreclosure for CIC assessment liens via W. Va. Code § 38-1-1 et seq.)

West Virginia CIC Foreclosure Timeline Calculator — Nonjudicial Trustee Sale, 30-Day Notice plus Publication, No Post-Sale Redemption (W. Va. Code § 38-1-1)

Project the procedural timeline of a West Virginia common interest community assessment-lien nonjudicial trustee-sale foreclosure under WVUCIOA § 36B-3-116(j) and W. Va. Code § 38-1-1 et seq. West Virginia is predominantly a nonjudicial deed-of-trust state with a 30-day written-notice requirement under W. Va. Code § 38-1-3 plus 30-day publication, sale at the front door of the courthouse under W. Va. Code § 38-1-4, and NO statutory post-sale redemption period. Returns the days-delinquent count, procedural posture, written-notice end date, publication end date, projected trustee-sale date, and next-action recommendation.

Wisconsin Statutes Chapter 703 (Wisconsin Condominium Ownership Act)

Wisconsin Condo Assessment Lien Calculator — Wis. Stat. § 703.16 (No Super-Priority; Judicial Foreclosure Only; 2-Year Statement Enforcement Window)

Compute the Wisconsin condominium association assessment-lien total under the Wisconsin Condominium Ownership Act (Wis. Stat. Chapter 703). Models Wis. Stat. § 703.16 lien attachment (automatic when common expenses come due) and perfection (statement of condominium lien recorded with the county register of deeds). Important: Wisconsin does NOT have a super-priority lien for condominium assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement proceeds by JUDICIAL foreclosure in circuit court under Wis. Stat. Ch. 846; Wisconsin does not permit nonjudicial trustee-sale foreclosure. The recorded statement of condominium lien must be enforced within TWO YEARS under § 703.16(4); the underlying contract debt is constrained by the SIX-YEAR limitations period under § 893.43. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification.

Wis. Stat. § 703.16(3) (Wisconsin Condominium Ownership Act — association lien enforceable in the same manner as a mortgage)

Wisconsin HOA Foreclosure Timeline Calculator — Wis. Stat. Ch. 846 Judicial Foreclosure (6/12-Month Redemption)

Project the procedural timeline of a Wisconsin HOA / condominium assessment-lien foreclosure under Wis. Stat. § 703.16(3) (Condominium Ownership Act lien enforcement in the same manner as a mortgage), proceeding judicially under Wis. Stat. Chapter 846. Wisconsin is a JUDICIAL-FORECLOSURE-ONLY state — nonjudicial trustee-sale foreclosure is not available. Models complaint filing, the 20-day answer period under § 802.06, judgment of foreclosure and sale, the six-month redemption election under § 846.103 (deficiency waiver; owner-occupied 20-acre-or-less property — the typical condominium-unit case) versus the twelve-month default redemption under § 846.13, and the sheriff sale. Returns the recommended demand-letter and statement-of-lien dates, the projected judgment date, redemption-period end date, and projected sheriff-sale date.