Condo & Strata Maintenance Fees Arrears

Condo and strata maintenance fees are essential for the smooth operation and upkeep of communal properties. However, life’s unexpected challenges can sometimes make it difficult to keep up with these payments. Falling behind on condo or strata fees can lead to serious consequences, including legal action. In this article, we will explore strategies to catch up on maintenance fees and avoid the potential repercussions.

Understanding the Importance of Payment Plans

Condo & Strata Maintenance Fees ArrearsWhen struggling to meet your condo or strata maintenance fees, it’s crucial to communicate with the council and propose a payment plan that works for both parties. While the council’s primary responsibility is to collect what is owed, they often understand the financial challenges faced by homeowners. By presenting a well-thought-out payment schedule in writing, you can demonstrate your commitment to fulfilling your obligations while ensuring your emergency budget remains intact. However, it’s essential to follow through on the proposed plan to avoid exacerbating the situation.

Crafting a Realistic Budget

Before suggesting a payment plan, it’s crucial to create a realistic budget that allows you to clear your outstanding arrears. Consider evaluating your expenses and identifying areas where you can reduce spending. By demonstrating your willingness to make necessary lifestyle adjustments, you can reassure the council that you are serious about fulfilling your financial obligations. Open communication with the strata council is paramount during this process. By keeping them informed of your financial situation and any challenges you may be facing, you can work together towards a mutually beneficial solution.

Potential Consequences of Legal Action

If the strata council decides to proceed with legal action, it’s essential to understand the potential consequences. Many stratas have bylaws that allow them to charge back the legal costs to the homeowner’s account. This means that on top of your arrears, you could be responsible for significant legal fees, potentially amounting to $1,000 or more. However, it’s important to note that legal action may also present an opportunity to negotiate a reasonable payment plan. When a lien is registered against your strata lot, it protects the strata corporation from potential losses, giving them an incentive to consider an affordable payment arrangement.

Re-Proposing a Strata Fee Payment Plan

If you have previously reneged on a payment arrangement, presenting a new plan may be challenging, especially if there is no existing lien on your property. However, there are steps you can take to strengthen your position. Start by explaining any positive changes in your financial situation, such as reduced bills or additional income sources. Providing evidence, such as bill statements or proof of a new roommate, can bolster your credibility and demonstrate your commitment to catching up on your strata fees.

Exploring Alternative Solutions

If you are not struggling with your monthly mortgage payments, you may consider asking your lender for a hardship deferral. This temporary relief can allow you to redirect mortgage payment funds towards catching up on your strata fees. Additionally, selling personal possessions can provide a source of income to cover your outstanding payments. Whichever solution you choose, ensure that you can afford the proposed payment plan and fulfill your commitments. It’s unlikely that you will receive another chance, so make sure to present a plan that is both feasible and sustainable for your financial situation.

Tips for Catching Up on Condo & Strata Maintenance Fees

To help you navigate the process of catching up on condo and strata maintenance fees, here are some additional tips:

  1. Communicate: Maintain open and honest communication with the strata council throughout the entire process. This will help build trust and demonstrate your commitment to resolving the issue.
  2. Seek Professional Advice: Consider consulting with a lawyer or financial advisor who specializes in strata law. They can provide guidance and help you understand your rights and obligations.
  3. Prioritize Payments: Make your condo or strata maintenance fees a priority in your budget. By treating them as essential expenses, you can ensure that you allocate the necessary funds to catch up on your arrears.
  4. Explore Financial Assistance Programs: In some cases, there may be financial assistance programs available to help homeowners who are struggling with their condo or strata fees. Research and inquire about any potential resources that could alleviate your financial burden.


Falling behind on condo or strata maintenance fees can be a challenging situation. However, by proactively communicating with the strata council, proposing realistic payment plans, and making necessary adjustments to your budget, you can catch up on your arrears and avoid legal action. Remember to prioritize open communication, seek professional advice when needed, and explore potential financial assistance programs. By taking these steps, you can regain control of your financial obligations and maintain a harmonious relationship with your strata community.

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