Tennessee · Live overlay tonight
Condo-heavy metros (Nashville / Memphis / Knoxville). Tennessee publishes a condominium assessment-lien statute — not a statewide planned-community foreclosure book. Hunt condo vs HOA CC&Rs first. Live overlay — TCA § 66-27-415 judicial default vs declaration-authorized Title 35 ch. 5 sale, § 66-27-202 applicability, no invented HOA threshold, Tenn. R. Civ. P. 12.01 30-day summons clock, thin Davidson/Shelby/Knox clerk links. Not Tennessee legal advice. Verify official text. Consult a licensed Tennessee attorney. Do not paste another state’s cites into your letter. Educational / not legal advice.
Not legal advice. Educational / self-help only. Fight Coach prepares prompts and checklists. Documents are created in your ChatGPT and Grok accounts. We do not file, appear, stop a foreclosure, or apply this to your facts as counsel. You review and send. Consult a licensed attorney where the property sits.
Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Tennessee condo / HOA · don’t default
Tennessee condominium assessment liens are taught as judicial foreclosure unless YOUR declaration authorizes a Title 35, chapter 5 power of sale. If a complaint was served, calendar the answer date from YOUR summons. Tenn. R. Civ. P. 12.01 generally discusses 30 days after service — not 20. This app does not compute that date and does not file. Missing an answer is how defaults happen while you argue fees. A posted trustee sale does not replace an answer if you were also sued. Educational / not legal advice. We do not file and we do not stop a foreclosure.
No timely answer → default risk under Tenn. R. Civ. P. 55. A missing notice page is a question, not a stay we can enter. Fight Coach does not answer, appear, or stop a sale.
Nationwide wedge, Tennessee version: a small unpaid assessment, then attorney-cost balloon, then a lawsuit or a posted sale. Tennessee’s condo statute does not publish an 18-month / $10,000 foreclosure gate. Fees, late charges, fines, and interest can be enforceable as assessments only if § 66-27-402(a)(10)–(12) applies and the declaration does not provide otherwise. Split the statement. Ask for the seven-day unpaid-assessment writing. Still answer the lawsuit.
Condo → § 66-27-415 (and, for older instruments, Horizontal Property Act § 66-27-116 plus the master deed). Non-condo HOA → recorded CC&Rs; no statewide planned-community foreclosure statute in this overlay. Pick one before you copy a prompt.
TCA § 66-27-415 / § 66-27-116 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Statutory default is judicial action. Power of sale under Title 35, chapter 5 exists only if the declaration provides it, plus notice to the unit owner and all record lienholders before first publication. Hunt that clause. Do not treat a collection letter as a posted sale.
TCA § 66-27-415(a) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Limited priority in sale proceeds: up to six months of periodic-budget common-expense assessments (no acceleration), capped at one percent of the first mortgage / deed-of-trust maximum principal. Association foreclosure does not wipe out a prior mortgage. Do not use this paragraph as an eligibility test.
TCA § 66-27-415(b) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
If you were served, YOUR summons is the clock. Tenn. R. Civ. P. 12.01 teaching: generally 30 days after service of summons and complaint. Challenge-me before that date. Default risk is Rule 55 — open it with counsel. We do not file an answer.
Tenn. R. Civ. P. 12.01 / 55.01 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Same statewide TCA and court rules in every Tennessee county. What changes is the clerk and the e-file portal. Davidson (Nashville): Circuit Court Clerk + eFlex at efilev11.nashville.gov (FAQ on circuitclerk.nashville.gov/eFile). Shelby (Memphis): eFlex at efile.shelbycountytn.gov/efile for Circuit or Chancery. Knox (Knoxville): Circuit Clerk page; clerk site states email filing under Tenn. Sup. Ct. R. 46B is not available — mail, in-person, or fax under Tenn. R. Civ. P. 5A. Lookup links only. Fight Coach does not e-file.
County clerks (educational) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Neither mode files for you or removes a setting. Ideal is ≥ 2 days. Day-Before Sprint is overnight kits → file what the clerk allows → still show up.
≥ 2 days before the answer date on YOUR summons (or the sale date on the paper)
More than one night of fog. Not a promise the lien or sale is void.
Overnight / the day before the answer date or posted sale
Showing up / filing is the sprint. We do not stop a foreclosure.
Copy-out only after docs + deadline. ChatGPT = filings outline. Grok = email you send.
Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Letterhead is not the book. If this is a condominium, open TCA § 66-27-415. If this is a single-family / planned-community HOA, Tennessee does not publish a statewide statutory assessment-lien foreclosure book analogous to Arizona or Florida HOA chapters. Hunt the recorded declaration / CC&Rs and how the association is organized (often TCA Title 48, Nonprofit Corporation Act). Title 66, chapter 27, part 7 (homeowners’ associations) exists for certain governance topics — it is not a foreclosure-lien statute. Do not paste Texas Rule 736 or an invented 18-month / $10,000 test into a Tennessee letter.
TCA § 66-27-415 / § 66-27-701 / § 48-51-101 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Official Public Chapter 766 / TCA § 66-27-202 teaching: parts 2–5 apply to condominiums created after January 1, 2009. Listed sections — including § 66-27-415 — also apply to condominiums created before that date, but only for events and circumstances after January 1, 2009, and (except § 66-27-414(g)) they do not invalidate existing master-deed / bylaw / plat language. Older Horizontal Property Act part 1 remains relevant for pre-2009 instruments. § 66-27-116 teaching: a sale or conveyance of an apartment is subject to unpaid prorated common-expense assessments; if unpaid at conveyance they are a lien against the apartment and are paid by the new owner. That is a conveyance-lien sentence — not a copy of § 66-27-415’s foreclosure / priority / notice book. Hunt both the master deed and current 415.
TCA § 66-27-202 / § 66-27-116 / PC 766 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Unofficial current § 66-27-415(a) teaching (re-verify on official TCA): the association has a lien on a unit for assessments levied against that unit or fines imposed against its unit owner from the time the assessment or fine becomes due, which lien may be foreclosed by judicial action. Notwithstanding that, the declaration may provide that the lien may be foreclosed in like manner as a deed of trust with power of sale under Title 35, chapter 5 — provided the association gives notice of its action to the unit owner and to all lienholders of record prior to the first publication of notice required under Title 35, chapter 5. No declaration language = do not assume a courthouse-steps sale. Photograph the foreclosure article in YOUR declaration.
TCA § 66-27-415(a) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
§ 66-27-415 does not copy Arizona’s 18-month or $10,000 assessment test. Do not invent one. The six-month / one-percent figure in subsection (b) is a limited priority in foreclosure-sale proceeds against a first mortgage or deed of trust — not a permission slip to start foreclosure. Association foreclosure of its assessment lien is subject to any prior mortgage or deed of trust and shall not extinguish that mortgage or deed of trust. Split assessments from fees before you treat a scare total as the case.
TCA § 66-27-415(b) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Unofficial current § 66-27-415(a) teaching: unless the declaration otherwise provides, fees, charges, late charges, fines, and interest charged pursuant to § 66-27-402(a)(10), (11), and (12) are enforceable as assessments under this section. If an assessment is payable in installments, the full amount is a lien from the time the first installment becomes due. Hunt the declaration. Do not invent that every attorney line is automatically an assessment.
TCA § 66-27-415(a) / § 66-27-402(a)(10)–(12) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
Unofficial current § 66-27-415 teaching: a lien for unpaid assessments is extinguished unless proceedings to enforce the lien are instituted within six years after the date the lien for the assessment becomes effective. Upon written request, the association shall furnish to a unit owner (or a mortgage / deed-of-trust holder, or their authorized agents) a written statement of unpaid assessments against the unit within seven days after receipt of the request; that statement is binding on the association. Ask in writing. Missing a statement is a hunt, not a promised dismissal.
TCA § 66-27-415(e),(h) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
If — and only if — the declaration actually authorizes a Title 35, chapter 5 sale, open current TCA § 35-5-101. Teaching beats to hunt on the paper: initial newspaper publication at least twenty days before the sale; a copy of the § 35-5-104 notice to the debtor and any co-debtor by registered or certified mail, return receipt requested, on or before the first publication date. Public Chapter 515 (SB0727 / HB1127), effective July 1, 2025, rewrote advertisement rules: at least two newspaper publications in the county of sale plus online posting by a third-party internet posting company for at least twenty continuous days. Do not treat 2024 “three newspaper publications” text as today’s rule without opening the current section. A posted sale is not a reason to skip a lawsuit answer if you were also served.
TCA § 35-5-101 / PC 515 (2025) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
If a judicial foreclosure complaint is served, Tenn. R. Civ. P. 12.01 (tncourts.gov) teaching: a defendant shall serve an answer within thirty (30) days after service of the summons and complaint. That is not Arizona’s or Florida’s 20-day teaching rule. This app does not compute weekends, holidays, or publication dates. Read YOUR summons. Write that date on a calendar you own. Tenn. R. Civ. P. 55.01 teaching: if a party fails to plead or otherwise defend, default judgment may be entered after a written notice of the application at least five days before the hearing (with publication-service exceptions). Open the current rules. We do not file.
Tenn. R. Civ. P. 12.01 / 55.01 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
