Owaji Ecurb
New Member
- Jurisdiction
- North Carolina
I own a townhouse in Durham,NC. As a result of financial issues I was unable to make payments to the Home Owners Association. I communicated with the HOA's attorney who stated that I have until April to start making payments to catch up however Inwould have to do so in a maximum of three months.
I called the attorney in mid March and was told that the HOA now owns my home. I checked the county's real estate records and sure enough, the owner of record is the HOA. I was never served with legal papers and our agreement to make payments was verbal. According to the co Net recess the deed was transferred to the HOA in February. I have a few questions, is it legal to have title transferred that the HOA without official court procedures? Do I still pay my mortgage? Is this considered a foreclosure? Can I get ownership back if I am able to catch up on my HOA dues? I am not low income however, my spouse is not able that contribute as much as needed due to low paying jobs. Please share any resources that to have. I have two small children and fear coming home one day and being met by a Sheriff. Thank you, in advance for any and all help.
I called the attorney in mid March and was told that the HOA now owns my home. I checked the county's real estate records and sure enough, the owner of record is the HOA. I was never served with legal papers and our agreement to make payments was verbal. According to the co Net recess the deed was transferred to the HOA in February. I have a few questions, is it legal to have title transferred that the HOA without official court procedures? Do I still pay my mortgage? Is this considered a foreclosure? Can I get ownership back if I am able to catch up on my HOA dues? I am not low income however, my spouse is not able that contribute as much as needed due to low paying jobs. Please share any resources that to have. I have two small children and fear coming home one day and being met by a Sheriff. Thank you, in advance for any and all help.