(704) 712-2717

Homeowners/Conway, SC/HOA Liens

HOA Liens & Delinquent HOA Dues in Conway, SC

HOA liens in Conway, SC can escalate to foreclosure. Find HOA attorneys, mediation services, and your rights under NC/SC law.

✓Local Conway resources✓Verified contacts✓Updated regularly

Situation overview

HOA liens in Conway, SC can escalate to foreclosure even when your mortgage is current. Under South Carolina's Horizontal Property Act and HOA Act, associations have lien and collection powers. Early negotiation with your management company is the most effective defense.

What to do first

HOA liens in Conway can lead to foreclosure even when the mortgage is current. NC and SC give HOAs significant collection powers, making early negotiation critical.

Start with

  1. Request an itemized statement showing exactly what you owe, including late fees and attorney fees.
  2. Propose a payment plan in writing before the HOA files a lien or begins foreclosure proceedings.
  3. Review your HOA covenants and NC Chapter 47F to understand the HOA lien priority and foreclosure powers.

Avoid

  1. Ignore HOA notices — they can foreclose even if your mortgage is current.
  2. Assume the amounts are correct without reviewing — attorney fees and penalties are often negotiable.
  3. Stop paying mortgage while trying to resolve HOA debt — both obligations continue independently.

SC law reference

Key legal facts for hoa liens situations in South Carolina.

Homestead exemption
South Carolina homestead exemption is adjusted periodically (about $63,250; verify current statutory amount).

Step-by-step action plan

A starting path you can follow before committing to any contract or agreement.

  1. Request an itemized statement of all amounts owed from your HOA management company.
  2. Review your HOA covenants and NC/SC HOA law to understand lien authority and foreclosure powers.
  3. Negotiate a payment plan or contact a mediator before the HOA escalates to foreclosure.

Who to contact in Conway

HOA and Community Association Attorneys

Kenison, Dudley & Crawford, LLC

Firm founded in 2000 with a dedicated HOA law section covering community-association governance, enforcement, and dispute resolution in South Carolina.

(864) 242-4899

1320 Main St, Suite 300, Columbia, SC 29201

KDC HOA law services

Baker, Ravenel & Bender, LLP

Community-association practice group advising HOA boards on covenants, governance, and enforcement matters across South Carolina.

(803) 799-9091

3710 Landmark Dr, Suite 400, Columbia, SC 29204

BRB community-association counsel

Finkel Law Firm LLC

Columbia firm founded in 1970 with HOA/POA practice pages noting Community Associations Institute involvement and board-counsel services.

(803) 765-2935

1201 Main St, Suite 1800, Columbia, SC 29201

Finkel HOA and POA services

Housing Counseling and Foreclosure Prevention

Horry County Treasurer

County tax-payment and collections office for property-tax balances, delinquency questions, and payment processing for Conway parcels.

(843) 915-5470

1301 2nd Ave, Conway, SC 29526

Horry County Treasurer office

Horry County Assessor

County appraisal and listing office for valuation, legal-residence review, and assessment questions tied to Horry County real property.

(843) 915-5040

1301 2nd Ave, Conway, SC 29526

Horry County Assessor office

South Carolina HELP Program Resources

State homeowner-assistance hub with foreclosure counseling references and program updates for mortgage hardship cases.

SC HELP homeowner resources

Free and Low-Cost Legal Aid

South Carolina Legal Services - Conway Office

Regional legal-aid office serving Horry and nearby counties with civil legal help, including housing, consumer debt, and family-law intake for eligible households.

(888) 346-5592

1201 Creel St, Unit A-1, Conway, SC 29527

South Carolina Legal Services locations

South Carolina Legal Services - Online Intake

Statewide intake portal and hotline for civil legal screening, case prioritization, and referral to the appropriate local legal-services office.

Start SCLS intake

South Carolina Bar Lawyer Referral Service

Referral option for residents who need private-counsel consultation when legal-aid eligibility is not met or specialized representation is required.

SC Bar lawyer referral

HOA Liens Real Estate Agents in Conway

Chamiese Evans — Licensed Realtor

Specializing in helping Conway homeowners navigate hoa liens situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Common questions

Can my HOA foreclose on my house in Conway?

Yes. Under NC Planned Community Act (Chapter 47F), HOAs have the power to file liens and pursue foreclosure for unpaid dues, even if your mortgage is current. Early negotiation is critical.

How much can HOA fees and penalties accumulate in Conway?

HOA liens can include unpaid dues, late fees, interest, collection costs, and attorney fees. These amounts can grow rapidly. Request an itemized statement and negotiate before they escalate.

Can I sell my house if there is an HOA lien on it?

Yes, but the HOA lien must be satisfied at or before closing. A cash buyer familiar with HOA liens can close quickly and handle the payoff process as part of the transaction.

Related situations in Conway

Homeowners dealing with hoa liens often face overlapping issues. These resources may also help.

ForeclosureJudgment LienBankruptcy

HOA Liens in other cities

Researched by CC Evans, Marketing Analyst — RobinOffer

Licensed Real Estate Broker · NC License #332092

NorthGroup Real Estate · Charlotte, NC

Last reviewed: February 2026

This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.

Sources: SC Code of Laws · HUD.gov · CFPB.gov

HOA lien threatening your home?

Share your Conway HOA situation and get clear options for resolving liens before they escalate.

No obligationFree to useYour info stays private