What it looks like
- A collection agency is demanding assessments plus fees
- A notice of delinquent assessment or notice of default arrived
- The fees are larger than the assessments
- You dispute the amount but not the obligation
What Nevada law says
An association has a lien for unpaid assessments (NRS 116.3116) and can foreclose it without going to court. Before starting collection, it must wait at least 60 days after the debt is past due and then mail the owner a schedule of fees, a proposed repayment plan, and notice of the right to a hearing before the board. The owner has 30 days to respond (NRS 116.31162). Foreclosure then proceeds through a notice of delinquent assessment, a recorded notice of default, a 90 day period, and a notice of sale. After a sale, an owner has 60 days to redeem.
The fees a collection agency may charge are capped by regulation (NAC 116.470). Fines are not part of the lien that can be foreclosed, with narrow exceptions.
Our approach. We generally do not take matters that are mainly about unpaid assessments. If paying the assessments is the difficulty, legal fees will usually make things worse. Ask in writing for the repayment plan and board hearing the law provides. We will take a collections dispute through state mediation on a fixed-fee basis if that is what you want.
The facts that matter
These are the questions that decide whether there is a practical path forward.
- The amount of assessments actually unpaid, separate from fees and fines
- Each notice received and its date
- Whether you were offered a repayment plan and a board hearing
- Whether any payment was misapplied
- How much time remains before the next step
Documents to gather
- Your full account ledger
- Every notice from the association or collection agency
- Proof of your payments
- Any payment plan offered or signed
See our guide to getting your governing documents.
Options that usually fit
Demand, state filing, and mediation
Our core fixed-fee service: file review, a demand to the association, the state filing, and mediation.
State mediation and the referee program
The step Nevada requires before most HOA lawsuits. What it is, what it costs, and what follows.
Common questions
Can my HOA foreclose on my home in Nevada?
Yes, for unpaid assessments, after a required series of notices and waiting periods. It generally cannot foreclose based only on fines. If you have received a notice of default, the timeline is short and you should act immediately.
Do I have a right to a payment plan?
Before starting collection, the association must send a proposed repayment plan and notice of your right to a hearing before the board. Respond in writing within the 30 days allowed.
This page is general information about Nevada law, not legal advice. Every dispute turns on its own facts and documents.