Galt HOA dues follow CC 5600-5740. Annual increases over 20 percent require a member vote; special assessments over 5 percent of budget also need approval. Delinquency triggers liens and possible foreclosure.
Under Civil Code 5605, the board may impose regular assessment increases up to 20 percent and emergency or special assessments up to 5 percent of the budgeted gross expenses without a member vote. Larger increases require a majority vote of a quorum. Delinquent assessments trigger a 30-day pre-lien letter (Civil Code 5660), 10 percent late charge, and 12 percent annual interest. Liens may be recorded per Civil Code 5675 after proper notice. Non-judicial foreclosure requires delinquency over 1,800 dollars or 12 months past due under Civil Code 5720. Partial payments must be applied to principal first before fees and interest per Civil Code 5655. Member payment plans must be considered in good faith.
Improper assessment or lien: member can seek court relief, void lien, recover attorney fees. Wrongful foreclosure can result in damages plus rescission.
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