Vermont hoa assessment collection & lien calculators

Vermont Common Interest Community

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.

Vermont Common Interest Community

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.