Clifton Park, NY Bankruptcy Law Firms & Lawyers

There is a time limit, but if you filed bankruptcy in 2009, not enough time has elapsed. HOAs have what is called a statutory lien against your property for unpaid dues, and all dues that were subject to this lien before you filed bankruptcy would not have been eliminated as to the property by your bankruptcy. Bankruptcy does not change statutory liens. Of course, any HOA dues that were run up after you filed bankruptcy would be unaffected by your prior bankruptcy filing, and every month that elapses without payment is another nail in your coffin of obligation to the HOA. Better work this out or begin packing. How would a quit claim help you if you owned the property when the HOA dues were run up? To get clean title, the HOA liens need to be satisfied, and that means someone must pay them off. If you need time to do this, Chapter 13 may be your only option.

Who said you make too much for Chapter 7?  In my opinion whoever said that has no idea how to calculate a means test.  If you have this much debt and problems, you likely qualify for Chapter 7.

Income Taxes are (possibly) dischargeable in bankruptcy if they are for taxes that became due for tax years greater than three (3) years ago; the tax return was filed at least two (20 years ago; the taxes were "assessed at least 240 days ago, and there was no indication that there was fraud or evasion of taxes. Having stated the broad general rules, let me note that there are many, many, many ways that taxes can become non-dischargeable in the event certain things happened or did not happen since the tax liability was assessed. This is not something to attempt on your own, nor should an inexperienced Bankruptcy attorney rely on this broad outline. See a Bankruptcy attorney with sufficient experience to determine if any of the tax liability is dischargeable.