For many older Texans, paying off the mortgage was supposed to mean finally owning a home free and clear. Unfortunately, a growing number of seniors are learning that even small unpaid HOA balances can still place their homes at risk. Across Texas, homeowner associations continue using liens and foreclosure threats to collect overdue dues, late fees, and legal costs that sometimes begin with balances under $500. Consumer advocates say many retirees are caught off guard because they assume foreclosure only applies to mortgage debt or large tax delinquencies. Here is what homeowners need to know.
