State laws give a Homeowners Association (or HOA) special rights to take your property if you miss paying your association dues or owe money for fines. These laws give the HOA a claim called a “super-priority lien.” The HOA must only mail you a copy of its bill to record this lien. Then it can begin to foreclose on your property. As a result, a homeowner could lose their property ownership in as little as three months. HOA liens are an urgent problem. We often see this problem at Vegas Debt Solutions and can offer remedies. But it is crucial to act immediately, as once the HOA sells the property, any help will be too late.