---
title: How do liens work in the state of Florida when filed against me?
description: How do liens work in Florida?  How does the homestead act play into this for condo and HOA owners.
---

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# How do liens work in the state of Florida when filed against me?

| [Fees, Foreclosures, Delinquencies & Collections](https://www.condoassociation.com/blog/topic/fees-foreclosures-delinquencies-collections) |  

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## What do you think? Question:

I have a couple of questions regarding liens against individual condo owners of an association, in the state of Florida.

1) Can a lien (from a creditor, car loan, credit card, etc) be filed against me as a owner of a single condo unit is a [condo association](https://www.condoassociation.com/CondoAssociation/tabid/83434/Default.aspx)? I was told this is hard to do in Florida...something about [Homestead Exemption](http://dor.myflorida.com/dor/property/taxpayers/exemptions.html#1) Laws.

2) If a [lien](https://www.condoassociation.com/blog/tabid/19257/Default.aspx?Tag=Liens) is filed against me and I file bankruptcy, what is the pecking order for any possible payment plan...if I sell the condo or if I don't sell the condo?

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## What do you think? Answers (7)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

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