Homeowners’ Association Debts in Bankruptcy

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HOA Debt in Bankruptcy

How Does Filing Bankruptcy Affect HOA Debts?

With today’s economy the way it is, people across Arizona are disposing of their homes. Even doctors, lawyers, accountants and other professionals with steady income are forced to leave their homes. Many of these people had investment properties, which means they have homeowners’ association, or HOA, dues left to pay.

At AZBK Lawyers we help clients across Arizona manage their concerns as they go through the bankruptcy process. Whether you are ready to file for Chapter 7 or Chapter 13 bankruptcy, we can help you come up with a plan for your homeowners’ association debts in bankruptcy.

Can You Discharge Your HOA Fees?

The question of whether or not you can discharge your homeowners’ association debts in bankruptcy is more complicated than it looks. As with any payment structured as dues or fees, each individual circumstance is slightly different.

In most cases, if you owe HOA dues on the date you file bankruptcy, your pre-petition dues will probably be discharged. However, even if you are no longer living in your house and even if you have a renter living in the house, you will most likely be on the hook for post-petition dues until a trustee’s sale occurs for the property in question.


Ben Wright understands the challenges facing people looking for debt relief. Taking a look at your situation, he can help you come up with solutions tailored to your needs. Call (602) 648-3274 or contact a Phoenix business lawyer online today for a free initial consultation.

We are a debt relief agency. We help individuals and businesses file for bankruptcy relief under the Bankruptcy Code.

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