🔗 Pillar 6: Lien & Foreclosure Power

301 liens filed according to El Paso County records — understanding HOA collection power

Lien Activity

According to El Paso County Clerk & Recorder records, CVHOA has filed 301 liens against properties since records began. From 2009 to present, 60 liens have been filed. These liens encumber properties and can affect the ability to refinance or sell.

301Total Liens (All Time)
60Liens (2009-Present)

Legal Representation

Joan Goldsmith, an attorney, has represented CVHOA in lien enforcement actions. Homeowners facing liens should be aware of their rights under Colorado law.

PersonRoleActivity
Joan GoldsmithAttorneyRepresents HOA in lien matters
Bill SchmidtBoard member, AttorneyBoard participation, legal counsel
Sidney PatinBoard member, AttorneyBoard participation, document handling

The Homestead Waiver

The CVHOA Declaration includes a clause requiring homeowners to waive their homestead exemption. Colorado's homestead exemption normally protects your home from seizure for debts. By waiving it in the covenants, CVHOA retains the ability to pursue your home even for minor assessment amounts.

2024 Colorado Reforms

CRS §38-33.3-316(10.8) — 2024 Foreclosure ReformBefore foreclosure, the HOA must now: provide 30 days' written notice, inform owners of their right to mediation, provide DORA HOA Information Office resources, and send notice in the owner's preferred language.
✅ If You Receive a Lien NoticeRespond in writing immediately. Demand proof the HOA followed its collection policy. Request mediation under the 2024 reforms. Consult a consumer protection attorney.