Harpers Mill Forclosures

In the recent newsletter that was sent out, the HOA mentions that if you are having financial difficulties to let them know so they can work with you. Now sometimes filling a foreclosure is a necessary thing to do, however, we have heard that the HOA has filled foreclosure paperwork on homeowners just 3 months behind, and they would not work with the homeowner at all. What is worse is if you having problems after 3 months that would leave you with a balance of $375.00 plus late fees, but when they file the foreclosure paperwork almost never notifying the homeowner before hand you suddenly have at least another $800 in legal fees added to your burden.

There is a recent case where a long term homeowner who was one of the first to live here, has always taken care of their home and never caused any problems to their neighbors is being foreclosed on by the HOA, we wonder how much they tried to work with this homeowner. We know the person in question lives by them self and lost their job about 6 months ago, we also know by looking at the court records the homeowner is not being forclosed on by the bank only the HOA, indicating that the bank is working with them in their time of need, we have our doubts if the HOA is doing the same.

If you want to see foreclosure records for the community follow these simple instructions, these records are open to the public and available online

!) Goto: http://judicial.yorkcountygov.com/scjdpublicindex/

2) Don't change anything just click "Accept" towards the middle bottom of the page.

3) In the box labeled "Last/Business" Type "Harpers Mill"

4) Than you will see a listing of all cases filed since inception of the community, you will notice there are 7 pages of records, to go through, some by banks some only by the HOA. We count 32 Foreclosures that the HOA has filled as the Plaintiff, many of which show a status of cancelled which means the homeowner paid the past due amounts including all the inflated legal costs that were added to save their homes.

We hope this will bring some attention to this, and hope the HOA is really working with homeowners that are having difficult times and not just filling the paperwork and adding tons of legal fees on top of someone who is already struggling and would work with the HOA if the board was sincere in really helping our fellow homeowners out.