Aurora Bankruptcy Lawyer | Discharging Homeowner Association Dues

Are Homeowner Association Dues Dischargeable in bankruptcy?

So you’ve filed bankruptcy and now your homeowner association is calling you about your homeowner association dues, and you thought they were discharged in your bankruptcy.  Homeowner association dues and condominium association dues are a constant source of confusion for people filing bankruptcy in Illinois.

The brutal truth is that when you file a bankruptcy, the ongoing condominium dues are still your responsibility until the ownership of the property is transferred – even though you “gave it up” when you filed bankruptcy.

In other words, even though you’re not living in that condominium, you’re still responsible for the condominium’s or homeowner association dues until the foreclosure sale is completed and confirmed and title to the property has been transferred out of your name.  Once title to your property has passed and it is out of your name, you are no longer the legal owner of that property and not responsible for the past association dues.

However, up until that date you are still responsible for the condominium or homeowner association dues.

Why am I telling you this? Because if you’re being contacted by your condominium or homeowner association for past due fees, you need legal help. I deal with this sort of problem every day. My name is Bradley Covey. I’m a bankruptcy attorney with the Covey Bankruptcy Law Firm, P.C. in Aurora, Illinois. If you would like to schedule a free consultation to discuss your particular situation please give me a call at 630-907-9811.