HOA and condo association foreclosure in Wyoming

HOA and condo collection rules in Wyoming, step by step

• Wyoming's condo law is short

  Before you answer any letter

  The Condominium Ownership Act, Wyo. Stat. §§ 34-20-101 through 34-20-104, recognizes condo ownership and requires the declaration to be recorded with the county clerk. It does not include the lien, priority, notice or foreclosure sections found in many other states' condo laws.

  Wyo. Stat. §§ 34-20-101 to 34-20-104

• Your duty to pay charges runs with the land

  As long as you own the unit

  If a condo declaration requires owners to belong to an association or to pay charges the association assesses, the law treats those terms as covenants that run with the land and bind every owner and later owner. So the duty to pay dues comes from the declaration, and selling or transferring the unit does not by itself erase it.

  Wyo. Stat. § 34-20-104(c)

• One unit's lien sale does not affect other units

  If any unit is sold for unpaid charges

  The law says a forfeiture or sale of one condo unit for unpaid taxes, mechanics' liens, assessments or charges does not affect the title to other units in the building. Each unit is also taxed as its own parcel.

  Wyo. Stat. § 34-20-104(a)

• Read your declaration for lien and collection rules

  As soon as you fall behind

  Because Wyoming statutes do not set these rules, look in your declaration, bylaws and collection policy for whether the association has a lien, when it attaches, late fees, interest, attorney fees, any hearing or payment plan, and whether the lien comes before or after your mortgage. Ask the association in writing for copies if you do not have them.

• Ask for an itemized ledger and dispute errors in writing

  Within 30 days of a collector's first notice

  Ask the association in writing for an itemized ledger of every dues charge, late fee, interest charge, legal fee and payment, and ask for a payment plan in writing. If a collection agency or law firm contacts you, federal debt collection law can apply, and a written dispute within 30 days of its notice makes it stop collecting the disputed part until it verifies the debt. See [HOA lien notice](/notices/hoa-lien-notice/).

  15 U.S.C. § 1692g

• If the association sues or records a lien, get help fast

  By the deadline on the court papers

  Any foreclosure in Wyoming that ends in a sale under a court decree or a power of sale is generally followed by a 3-month redemption period for homes under Wyoming's redemption law. Whether that applies to an association sale depends on how the association enforces, so call Legal Aid of Wyoming or a lawyer through the Wyoming State Bar as soon as you get a lien notice or lawsuit.

  Wyo. Stat. § 1-18-103(a)

Common questions in Wyoming