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Collections Process

Below is an outline of the process in collecting delinquent assessments.

A letter known as the “Intent to Lien Letter” is sent out to all addresses on record via first class and certified mail.

A letter known as the “Notice of Delinquent Assessment Lien” is written and recorded. This is then mailed to all addresses on record via first class and certified mail.

There is a one month waiting period.

A letter known as the “Intent to Notice of Default” is prepared and mailed to all addresses on record via first class and certified mail.

A document known as the “Notice of Default and Election to Sell” is written and recorded. This is then mailed to all addresses on record (including those found in the Trustee Sale Guarantee and those on record with the title company) via first class and certified mail. This must occur within 10 days of the preparation of the document.

There is a waiting period of no less than 3 months, at which time a Default before a Notice of Trustee Sale may be scheduled.

A letter known as the “Intent to Notice of Sale” is mailed via first class mail to the homeowner and all known mortgage holders informing them of the Associations intent to sell the home as a foreclosure.

A document known as the “Authorization to Publish” is sent to the Board of Directors, c/o the Community Association Manager. The Board must agree to the meeting schedule. Further, they must agree that the property will be sold as a foreclosure. The president or another board member must then sign and date the Authorization to Publish form and sent it back to the Homeowners Association Services along with funds required.

After the signing of the Authorization to Publish, the file, all of the returned mail, and all Management company records will be reviewed. An attempt will be made to contact the homeowner by phone, if possible.

A document known as the “Notice of Trustee Sale” will be mailed via first class and certified mail to all addresses on record, including those provided by the TSG. This notice will let the homeowner know that the home will be sold as a foreclosure.

The notice will be posted in the following venues for at least three weeks:
• The Nevada Legal News or other authorized publication
• In three separate local venues within the county
• At the foreclosed property

After the three weeks is up, the sale will take place on the designated day, at the designated time in front of the Nevada Legal News, located at 900 South 4th Street. If the property sells, a new owner will take possession. If there are no bidders, the property may remain the possession of the Association.