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Levy Collection Residential Estates by HOA

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May an owner legally withhold a levy payment? May an owner reclaim levies paid to the Home Owners Association Is the collection of levies an incidental credit agreement according the National Credit Act? Does a HOA have to comply to the provisions of Section 129 of the NCA (National Credit Act)? What happens when an owner goes under Debt Review? Who is liable for the cost of collecting overdue Levies? What happens in the case of sequestration / liquidation of an owner? Can a HOA block a sale due to outstanding levies?