Homeowners/North Myrtle Beach, SC/HOA Liens

HOA Liens & Delinquent HOA Dues in North Myrtle Beach, SC

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

✓Local North Myrtle Beach resources✓Verified contacts✓Updated regularly

Situation overview

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

Start with

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

Avoid

Ignore HOA notices — they can foreclose even if your mortgage is current.
Assume the amounts are correct without reviewing — attorney fees and penalties are often negotiable.
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.

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

Who to contact in North Myrtle Beach

HOA and Community Association Attorneys

Ohanesian Law Firm

Extensive HOA litigation experience representing both homeowners and associations, providing a unique dual perspective. Handles HOA disputes, property contracts, and property management disputes across Horry County.

(843) 626-7193

504 N Kings Hwy, Myrtle Beach, SC 29577

Ohanesian Law HOA services

Neill Law Firm, LLC

Attorney Mark D. Neill provides HOA representation including collection of unpaid assessments, enforcement of restrictive covenants, election disputes, and other association issues across the Grand Strand.

(843) 651-8580

671 Jamestown Dr, Murrells Inlet, SC 29576

Neill Law HOA and association services

Pearce Law Group, P.C.

Handles HOA and condominium association matters including general counsel, opinion letters, dues collection, real estate development, and land use planning from offices in Myrtle Beach and Conway.

(843) 839-3210

1314 Professional Dr, Myrtle Beach, SC 29577

Pearce Law Group HOA services

Housing Counseling and Foreclosure Prevention

HUD Housing Counselor Search Portal

Primary HUD counselor lookup portal for North Myrtle Beach homeowners; filter by Horry County or local ZIP code for nearby approved counseling agencies.

(800) 569-4287

Open HUD counselor search portal

OriginSC Foreclosure Prevention Counseling

HUD-certified and SC Housing-approved nonprofit providing foreclosure prevention counseling, reverse mortgage counseling, and homebuyer education for coastal SC homeowners.

(843) 628-3000

OriginSC housing counseling

South Carolina Housing Foreclosure-Avoidance Resources

State housing agency page with loan-counselor contacts, loss-mitigation guidance, and escalation paths for borrowers behind on mortgage payments.

(800) 476-0412

South Carolina Housing foreclosure resources

Horry County Treasurer

County tax-payment and collections office for property-tax balances, delinquency questions, and payment processing. Installment payment plans available for real property taxes.

(843) 915-5470

1301 2nd Ave, Suite 1C09, 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. Quadrennial reassessments (most recent: 2024).

(843) 915-5040

1301 2nd Ave, Conway, SC 29526

Horry County Assessor office

Free and Low-Cost Legal Aid

South Carolina Legal Services - Conway Office

Regional legal-aid office serving Horry, Georgetown, Marion, and Williamsburg Counties with free civil legal help including housing, foreclosure prevention, consumer debt, and family-law intake for eligible households.

(843) 381-8182

1201-B Creel St, Wing A-1, Conway, SC 29526

SC Legal Services Conway office

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.

(888) 346-5592

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.

(800) 868-2284

SC Bar lawyer referral

HOA Liens Real Estate Agents in North Myrtle Beach

Chamiese Evans — Licensed Realtor

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

(704) 712-2717

Visit listrobin.com

Common questions

Can my HOA foreclose on my house in North Myrtle Beach?

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 North Myrtle Beach?

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 North Myrtle Beach

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

Foreclosure Judgment Lien Bankruptcy

HOA Liens in other cities

Researched by CC Evans, Marketing Analyst — RobinOffer

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

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