[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-279992-105":53,"doc-detail-279992-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","quick-facts-association-foreclosures-the-basics","Quick Facts - Association Foreclosures - The Basics","","Quick Facts - Association Foreclosures - The Basics explains how Georgia condominium associations and property owners’ associations may judicially foreclose on liens for unpaid assessments and related charges under the Georgia Condominium Act and the Georgia Property Owners’ Association Act. It sets key prerequisites, including a minimum amount owed, and clarifies how superior liens like property tax liens and first mortgage liens remain after foreclosure. It also outlines how a judicial foreclosure order can support negotiation or accelerate outcomes, followed by procedural steps and post-sale obligations and reminders.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/quick-facts-association-foreclosures-the-basics/279992/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/quick-facts-association-foreclosures-the-basics/279992.png","ImageObject",442,249,{"name":88,"@type":89},"\tWilliam","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-29","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":20},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What legal basis allows an association to foreclose on its lien in Georgia?","Question",{"text":108,"@type":109},"The Georgia Condominium Act and the Georgia Property Owners’ Association Act allow qualifying associations to judicially foreclose on liens for unpaid assessments and other charges.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What minimum amount must a debtor owe before an association can foreclose?",{"text":113,"@type":109},"The amount owed must be at least $2,000 in assessments, charges, and costs, including reasonable attorneys’ fees actually incurred.",{"name":115,"@type":106,"acceptedAnswer":116},"How do superior liens affect the property after an association foreclosure?",{"text":117,"@type":109},"Superior liens—commonly property tax liens and first mortgage liens—remain on the property after the association’s foreclosure, and the superior lien holder retains the right to foreclose.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},279992,1790218235,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":20,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},5909887254083,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","QUICK FACTS  \nASSOCIATION FORECLOSURES  \nTHE BASICS  \nThe Georgia Condominium Act (GCA) and the Georgia Property Owners’ Association Act (POA) give condominium associations and those associations subject to the POA the right to judicially foreclose on their liens for unpaid assessments and other charges.  \nThe amount owed by a debtor must be at least $2,000 in assessments, charges, and costs, including reasonable attorneys’ fees actually incurred, before an association can foreclose.  \nAssociation foreclosures under the GCA or the POA are subject to superior liens on the property. Superior liens, typically being property tax liens and first mortgage liens, remain on the property after foreclosure by the association, and the superior lien holder retains the right to foreclose on its lien.  \nSeeking or obtaining a Judicial Foreclosure Order can be useful in getting otherwise nonresponsive debtors to negotiate a payment plan or settlement.  \nIn some cases, seeking or obtaining a Judicial Foreclosure Order can speed up a foreclosure by the first mortgage holder, ultimately resulting in a quicker sale of the property to a dues paying member.  \nForeclosure can be an effective collection strategy by allowing an association to cut its losses and to remove delinquent owners who have gone years without paying.  \n©2018 Lazega & Johanson LLCAll Rights Reserved.  \n30-day Notice of Intent to Foreclose Letter Sent to Debtor by Certified Mail  \nLawsuit Filed in Superior Court Seeking Money Judgment and Judicial Foreclosure Order. Debtor has 45 Days to File an Answer to the Lawsuit After Legal Service of Lawsuit  \nNo Answer Filed:  \nAssociation Seeks Default Judgment  \nAnswer Filed:  \nAssociation Files Motion for Summary Judgment and/or Litigates Claim & any  \nAssociation Obtains Money Judgment and Judicial Foreclosure Order. Judgment Lasts Initial Period of 7 Years  \nAssociation Elects to Proceed with Foreclosure Sale  \nThese steps can be pursued simultaneously.  \nAssociation Pursues Collection on Money Judgment  \nAssociation and Sheriff Advertise Foreclosure Sale in County Legal Newspaper for 4 Weeks  \nDebtor’s Lot/Unit Auctioned at Courthouse Steps on First Tuesday of the Month Following Advertisement  \nLot/Unit Sold to Highest Bidder at Sale. No Minimum Bid. Association Typically May Bid. After Paying Sheriff/Marshal’s Fees, Foreclosure Sale Proceeds are Applied to Association’s Judgment. Any Judgment Balance is Collectible Through Garnishments or Traditional  \nNew Owner Obtains Sheriff/Marshal’s Deed, Giving Owner Right to Possess the Lot/Unit. New Owner Files for Eviction to Evict Debtor/Occupant of Lot/Unit and Becomes Responsible for Post-Foreclosure Assessments  \nAfter Locating Debtor Assets, Association Files Garnishments on Bank Accounts, Wages, and/or Rent  \nNOTE:  \nAnyone Purchasing Lot/Unit at Foreclosure Sale Takes the Property Subject to the Superior Liens on the Property.  \n*Individual situations may vary.  \nThis document is not intended to use as specific legal advice.","cbCaijw33s1uZ2cw","https://ap.wps.com/l/cbCaijw33s1uZ2cw","pdf",223362,"English","# Quick Facts - Association Foreclosures - The Basics\n## When Associations May Foreclose\n## Amount Owed and Superior Liens\n## Use of Judicial Foreclosure Order\n## Foreclosure as a Collection Strategy\n## Foreclosure Procedure Timeline\n## Post-Foreclosure Steps and Notes","[{\"question\":\"What legal basis allows an association to foreclose on its lien in Georgia?\",\"answer\":\"The Georgia Condominium Act and the Georgia Property Owners’ Association Act allow qualifying associations to judicially foreclose on liens for unpaid assessments and other charges.\"},{\"question\":\"What minimum amount must a debtor owe before an association can foreclose?\",\"answer\":\"The amount owed must be at least $2,000 in assessments, charges, and costs, including reasonable attorneys’ fees actually incurred.\"},{\"question\":\"How do superior liens affect the property after an association foreclosure?\",\"answer\":\"Superior liens—commonly property tax liens and first mortgage liens—remain on the property after the association’s foreclosure, and the superior lien holder retains the right to foreclose.\"}]","Quick Facts - Association Foreclosures - The Basics | PDF",1789531657]