HOA and condo association foreclosure in Mississippi

HOA and condo collection rules in Mississippi, step by step

• No general Mississippi HOA collection law

  As of the 2026 session

  Bills to set statewide rules for forming and running homeowners associations were filed in 2014 to 2018 and all died in committee. The HOA law Mississippi does have, last changed in 2022, covers how managing agents hold association money, board review of bank statements and fidelity coverage, not liens or foreclosure. So the recorded declaration (often called covenants or CC&Rs) and the bylaws set the association's collection rights.

  Miss. Code Ann. §§ 79-11-751 to 79-11-759 (as amended by H.B. 933, 2022); H.B. 1381 (2014) and later HOA bills, died in committee

• Condominiums have a separate statute

  If you own a condo unit

  Mississippi's condominium law is in Title 89, Chapter 9 of the Mississippi Code, and it has a section on assessment liens. We could not open an official copy of the current text, so ask the association or a lawyer which sections it relies on, and read your master deed and bylaws.

  Miss. Code Ann. § 89-9-1 and following

• No state cap on payoff letter fees

  2026 bill died

  A 2026 bill would have required associations to issue a statement of paid and unpaid assessments within 10 business days and capped the fee. It died in committee, so no such statewide rule exists. Ask in writing anyway and keep a copy of your request.

  S.B. 2644 (2026), died in committee

• Ask for a ledger and the documents

  As soon as you fall behind

  Ask the association in writing for an itemized ledger of every assessment, late fee, interest charge, legal fee and payment, and for copies of the declaration, bylaws and any collection policy. Those documents say whether it claims a lien and how it may enforce it. Dispute any error in writing.

• Federal debt collection rules can apply

  Within 30 days of a collector's first notice

  If a collection agency or law firm collects your HOA debt, the Fair Debt Collection Practices Act can apply. If you dispute the debt in writing within 30 days of its notice, it must stop collecting the disputed part until it sends verification. See [HOA lien notice](/notices/hoa-lien-notice/).

  15 U.S.C. § 1692g

• Keep paying your mortgage

  Every month

  Your mortgage is a separate debt. A Mississippi mortgage foreclosure is usually run by a trustee under the deed of trust, so falling behind on both debts puts the home at risk twice. If you cannot pay both, call a HUD-approved housing counselor or legal aid before the association hands the account to a lawyer.

Common questions in Mississippi