Oregon HOA & Condo Laws

Oregon governs planned communities through ORS Chapter 94 (Planned Community Act) and condominiums through ORS Chapter 100. Key requirements include resale certificate disclosures, financial transparency, deferred maintenance reporting, and owner rights.

Assessment Collection Compare across states →

How HOAs and condominium associations charge, collect, and enforce regular and special assessments. Covers dues billing, delinquency notices, late fees, lien filing, judicial and non-judicial foreclosure, statute of limitations, and …

ORS 100.175

Reserve account for maintaining, repairing and replacing common elements; reserve study; information required; maintenance plan →

Oregon Condominium Act reserve account and reserve study requirements. The board of directors of the association must annually determine the reserve account requirements by conducting …

ORS 100.450

Association lien against individual unit →

Creates the condominium association lien against any unit for unpaid assessments. Establishes recording, foreclosure, and priority. The condominium parallel to ORS 94.709.

ORS 100.475

Personal liability for assessment; joint liability of grantor and grantee following conveyance; limitation →

Oregon Condominium Act conveyance-liability statute — the condominium twin of ORS 94.712, in substantially identical words. The grantee of a unit is jointly and severally …

ORS 100.480

Maintaining documents and records; annual financial statement; review of financial statement by certified public accountant; availability of documents and records for examination →

Oregon Condominium Act records-management statute — the condominium counterpart of ORS 94.670, and structurally identical to it. An association of unit owners must retain records, …

ORS 94.550

to 94.783 →

Definitions for the Oregon Planned Community Act (ORS 94.550 to 94.783). Defines core terms used throughout the chapter — "association," "common property," "declarant," "lot," "planned …

ORS 94.580

Declaration; recordation; contents →

Oregon Planned Community Act declaration content requirements. Lists the items the recorded declaration must contain, including restrictions on alienation of lots at (2)(l) and restrictions …

ORS 94.645

Adoption of annual budget →

Requires the board of directors to adopt an annual operating budget. Establishes notice and approval procedures for the budget that funds common-expense assessments. Core financial-governance …

ORS 94.670

Association duty to keep documents and records; deposit of assessments; payment of association expenses; review of financial statement by certified public accountant; examination of records by owner →

Oregon Planned Community Act records-management statute. Defines the association's duty to retain documents, maintain financial accounts, prepare annual financial statements, furnish a written statement of …

ORS 94.704

Assessment and payment of common expenses →

Allocates common expenses among lots and establishes the declarant's payment obligation during the development period. The statutory foundation for every monthly assessment levied by an …

ORS 94.709

Liens against lots →

Creates the statutory assessment lien against any lot for unpaid assessments. Establishes priority, duration, notice-of-claim recordation, and the foreclosure procedure. The collection-enforcement core of ORS …

ORS 94.712

Lot owner personally liable for assessment; joint liability of grantor and grantee following conveyance; limitations →

Oregon Planned Community Act conveyance-liability statute, and the section that gives an Oregon resale assessment statement its legal effect. On a voluntary conveyance the grantee …

Case Law · Oregon Court of Appeals

Deltawood Community Association v. Williford →

Per curiam reversal of partial summary judgment in an HOA assessment-lien foreclosure. The community association was organized in 1979 as "Snoozy's Hollow Property Owners Association" …

Decided Jul 14, 2021
Reserve Requirements Compare across states →

Statutory requirements for reserve studies, reserve funding, component inventory, funding plans, and board fiduciary duty regarding major repair and replacement obligations.

ORS 100.175

Reserve account for maintaining, repairing and replacing common elements; reserve study; information required; maintenance plan →

Oregon Condominium Act reserve account and reserve study requirements. The board of directors of the association must annually determine the reserve account requirements by conducting …

ORS 94.595

Reserve account for maintaining, repairing and replacing common property; reserve study; maintenance plan →

Oregon Planned Community Act reserve account, reserve study, and maintenance plan requirements. The board of directors must annually determine the reserve account requirements by conducting …

Meetings and Notice Compare across states →

Board and owner meeting requirements — open meeting mandates, advance notice periods, agenda requirements, minimum owner comment periods, executive session limits, remote participation, and materials access rules.

ORS 100.420

Board meetings →

Governs board-of-directors meetings for Oregon condominium associations. Establishes when the board may meet in executive session and the open-meeting requirement for non-executive items. Open-meeting law …

ORS 94.640

Association board of directors; powers and duties; removal of director →

Oregon Planned Community Act provisions on the association board: powers exercisable on behalf of the association, standards of conduct for officers and directors, annual review …

ORS 94.650

Meetings of lot owners; notice →

Oregon Planned Community Act owner meeting requirements: at least one owner meeting each calendar year, how special meetings are called, and notice given not less …

ORS 94.655

Quorum for association meetings →

Oregon Planned Community Act default quorum for owner meetings — 20 percent of votes in the planned community when the declaration or bylaws are silent. …

Elections and Voting Compare across states →

Director elections, board member removal votes, governing document amendments, secret ballot requirements, quorum rules, proxy voting, electronic voting, and inspector of election requirements.

ORS 100.408

Quorum for meeting of association →

Establishes the quorum rule for Oregon condominium association meetings. Unless the bylaws specify otherwise, a quorum consists of persons entitled to cast twenty percent of …

ORS 65.437

Amendment by board of directors and members →

Procedure and voting threshold for nonprofit-corporation amendment of articles of incorporation. Mutual benefit corporations require two-thirds of votes cast or a majority of voting power, …

ORS 94.580

Declaration; recordation; contents →

Oregon Planned Community Act declaration content requirements. Lists the items the recorded declaration must contain, including restrictions on alienation of lots at (2)(l) and restrictions …

ORS 94.635

Association bylaws →

Specifies the required and permitted contents of association bylaws. Covers board composition, meetings, voting procedures, and officer roles. Works with ORS 94.625 on adoption and …

ORS 94.640

Association board of directors; powers and duties; removal of director →

Oregon Planned Community Act provisions on the association board: powers exercisable on behalf of the association, standards of conduct for officers and directors, annual review …

ORS 94.660

Method of voting or consenting →

Authorizes lot owners to cast votes or give consent in five ways: (a) in person, (b) by absentee ballot if the board permits, (c) by …

Case Law · Oregon Court of Appeals

Deltawood Community Association v. Williford →

Per curiam reversal of partial summary judgment in an HOA assessment-lien foreclosure. The community association was organized in 1979 as "Snoozy's Hollow Property Owners Association" …

Decided Jul 14, 2021
Records Access and Inspection Compare across states →

Unit owner rights to inspect association records — financial statements, meeting minutes, governing documents, contracts, and correspondence. Response timelines, allowable copying fees, and executive session materials exceptions.

ORS 94.595

Reserve account for maintaining, repairing and replacing common property; reserve study; maintenance plan →

Oregon Planned Community Act reserve account, reserve study, and maintenance plan requirements. The board of directors must annually determine the reserve account requirements by conducting …

Enforcement and Fines Compare across states →

Association authority to enforce governing documents through fines, suspension of privileges, and legal action. Covers fine limits, hearing requirements, notice-and-opportunity procedures, and limitations on enforcement authority.

ORS 94.709

Liens against lots →

Creates the statutory assessment lien against any lot for unpaid assessments. Establishes priority, duration, notice-of-claim recordation, and the foreclosure procedure. The collection-enforcement core of ORS …

House Bill · 2017

HB 3057 — Reserve study requirements for planned communities and condominiums →

Expands reserve-study requirements for HOAs and condominium associations. Specifies required components and replacement-cost inputs, refines update cadence, and addresses how reserve assessments flow into the …

Signed May 18, 2017
Resale Disclosure Compare across states →

Resale certificate and transfer disclosure requirements at the time of unit sale. Covers disclosure timing, content, fee caps, delivery deadlines, buyer rescission rights, and association liability for inaccurate information.

ORS 100.475

Personal liability for assessment; joint liability of grantor and grantee following conveyance; limitation →

Oregon Condominium Act conveyance-liability statute — the condominium twin of ORS 94.712, in substantially identical words. The grantee of a unit is jointly and severally …

ORS 100.480

Maintaining documents and records; annual financial statement; review of financial statement by certified public accountant; availability of documents and records for examination →

Oregon Condominium Act records-management statute — the condominium counterpart of ORS 94.670, and structurally identical to it. An association of unit owners must retain records, …

ORS 105.464

Form of seller's property disclosure statement →

Oregon general seller property-disclosure statute. Sets out the mandatory form of the seller's property disclosure statement used in residential transactions statewide; applies to all OR …

ORS 94.580

Declaration; recordation; contents →

Oregon Planned Community Act declaration content requirements. Lists the items the recorded declaration must contain, including restrictions on alienation of lots at (2)(l) and restrictions …

ORS 94.670

Association duty to keep documents and records; deposit of assessments; payment of association expenses; review of financial statement by certified public accountant; examination of records by owner →

Oregon Planned Community Act records-management statute. Defines the association's duty to retain documents, maintain financial accounts, prepare annual financial statements, furnish a written statement of …

ORS 94.675

Insurance for common property; fidelity bond coverage →

Oregon Planned Community Act insurance requirements. The board must obtain and maintain hazard insurance covering full replacement costs of insurable improvements in the common property …

ORS 94.712

Lot owner personally liable for assessment; joint liability of grantor and grantee following conveyance; limitations →

Oregon Planned Community Act conveyance-liability statute, and the section that gives an Oregon resale assessment statement its legal effect. On a voluntary conveyance the grantee …

Insurance Requirements Compare across states →

Statutory insurance requirements for HOAs and condominiums — property insurance, liability coverage, directors and officers, fidelity bonds, flood insurance, and cyber liability. Coverage minimums, deductible assessments, and claims procedures.

ORS 100.480

Maintaining documents and records; annual financial statement; review of financial statement by certified public accountant; availability of documents and records for examination →

Oregon Condominium Act records-management statute — the condominium counterpart of ORS 94.670, and structurally identical to it. An association of unit owners must retain records, …

ORS 94.670

Association duty to keep documents and records; deposit of assessments; payment of association expenses; review of financial statement by certified public accountant; examination of records by owner →

Oregon Planned Community Act records-management statute. Defines the association's duty to retain documents, maintain financial accounts, prepare annual financial statements, furnish a written statement of …

Fiduciary Duty Compare across states →

Board member fiduciary obligations — duty of care, duty of loyalty, business judgment rule, conflict of interest disclosure, and personal liability exposure. Statutory duties imposed on directors and officers of …

ORS 65.357

General standards for directors →

Director fiduciary duties for OR nonprofits — good faith, reasonable care, best interests of the corporation.

ORS 94.595

Reserve account for maintaining, repairing and replacing common property; reserve study; maintenance plan →

Oregon Planned Community Act reserve account, reserve study, and maintenance plan requirements. The board of directors must annually determine the reserve account requirements by conducting …

Governance Documents Compare across states →

The foundational documents governing common interest communities — declarations (CC&Rs), bylaws, articles of incorporation, rules and regulations, architectural guidelines, and resolutions. Document hierarchy, amendment procedures, and recording requirements.

ORS 94.550

to 94.783 →

Definitions for the Oregon Planned Community Act (ORS 94.550 to 94.783). Defines core terms used throughout the chapter — "association," "common property," "declarant," "lot," "planned …

ORS 94.580

Declaration; recordation; contents →

Oregon Planned Community Act declaration content requirements. Lists the items the recorded declaration must contain, including restrictions on alienation of lots at (2)(l) and restrictions …

ORS 94.595

Reserve account for maintaining, repairing and replacing common property; reserve study; maintenance plan →

Oregon Planned Community Act reserve account, reserve study, and maintenance plan requirements. The board of directors must annually determine the reserve account requirements by conducting …

ORS 94.640

Association board of directors; powers and duties; removal of director →

Oregon Planned Community Act provisions on the association board: powers exercisable on behalf of the association, standards of conduct for officers and directors, annual review …

ORS 94.644

Meetings of board of directors; notice; executive sessions →

Oregon Planned Community Act rules for board meetings: meetings are open to owners, the grounds on which the board may meet in executive session, electronic …

ORS 94.670

Association duty to keep documents and records; deposit of assessments; payment of association expenses; review of financial statement by certified public accountant; examination of records by owner →

Oregon Planned Community Act records-management statute. Defines the association's duty to retain documents, maintain financial accounts, prepare annual financial statements, furnish a written statement of …

Foreclosure and Liens Compare across states →

Assessment lien filing, priority, extinguishment, and foreclosure procedures. Minimum thresholds for foreclosure, pre-foreclosure notice requirements, mediation mandates, super-priority provisions, and the interaction between HOA liens and mortgage liens.

ORS 100.450

Association lien against individual unit →

Creates the condominium association lien against any unit for unpaid assessments. Establishes recording, foreclosure, and priority. The condominium parallel to ORS 94.709.

ORS 94.709

Liens against lots →

Creates the statutory assessment lien against any lot for unpaid assessments. Establishes priority, duration, notice-of-claim recordation, and the foreclosure procedure. The collection-enforcement core of ORS …

Case Law · Oregon Court of Appeals

Deltawood Community Association v. Williford →

Per curiam reversal of partial summary judgment in an HOA assessment-lien foreclosure. The community association was organized in 1979 as "Snoozy's Hollow Property Owners Association" …

Decided Jul 14, 2021
House Bill · 2017

HB 3056 — Refinements to HOA assessment liens and foreclosure →

Amends the planned-community assessment-lien statute (ORS 94.709) to clarify lien priority, notice-of-claim recordation, and post-judgment lien preservation. Establishes that a money judgment for unpaid assessments …

Signed May 18, 2017
Architectural Review Compare across states →

Association authority to review and approve owner modifications to units and common elements. Covers architectural review committees, approval procedures, denial appeals, and statutory limitations on what can be prohibited (e.g., …

ORS 94.630

Powers of association →

Enumerates the statutory powers of a Planned Community homeowners association — contracting, adopting rules, hiring managers, and conducting financial operations. Cross-references EV charging (ORS 94.762) …

Dispute Resolution Compare across states →

Mandatory and optional alternative dispute resolution procedures — internal dispute resolution, mediation, arbitration, and limitations on litigation. Covers meet-and-confer requirements, mediation timelines, and enforcement of ADR outcomes.

Case Law · Oregon Supreme Court

FountainCourt Homeowners' Association v. American Family Mutual Insurance Company →

HOA construction-defect litigation flowing through to the subcontractor's commercial general liability insurer via garnishment. The HOA obtained a $485,877.84 negligence judgment against subcontractor Sideco (whose …

Decided Sep 22, 2016
Other Authorities
ORS 100.405

Association of unit owners →

Requires every Oregon condominium to organize an association of unit owners. Enumerates association powers and dispute-resolution procedures. The condominium analog to ORS 94.625 / 94.630.

ORS 100.410

Adoption of bylaws →

Governs adoption and amendment of condominium association bylaws. The declarant adopts initial bylaws (subject to Real Estate Commissioner approval) and records them with the declaration. …

ORS 130.001

UTC 101. Short title →

Oregon adoption of the Uniform Trust Code. Comprehensive trust administration, duties, beneficiary notification, modification.

ORS 30.140

Certain indemnification provisions in construction agreement void →

Voids broad-form indemnification clauses in construction agreements that require one party (or its insurer or surety) to indemnify another for damage caused in whole or …

ORS 62.005

Short title →

Establishes that ORS Chapter 62 may be cited as the Oregon Cooperative Corporation Act. Originally enacted in 1957, this is the citation anchor for the …

ORS 65.001

Definitions →

Oregon nonprofit corporation statute. Based on RMNCA. Covers formation, board governance, member rights, dissolution.

ORS 65.959

Application to corporations relating to condominiums, planned communities or timeshare estates →

Conflict-resolution provision between Oregon nonprofit corporation law (ORS Chapter 65) and the planned-community and condominium statutes. Subsection (2)(b) provides that when a planned community's declaration, …

ORS 94.570

Applicability of ORS 94.550 to 94.783 →

Sets which planned communities the Oregon Planned Community Act reaches, by creation date and class. Communities created before January 1, 2002 and Class I communities …

ORS 94.575

Applicability of subdivision law →

Applies the Oregon subdivision and partition statutes (ORS 92.010 to 92.192) to any planned community established under ORS 94.550 to 94.783. Subdivision approval, plat recordation, …

ORS 94.600

Declarant control of association →

Governs the period of declarant (developer) control over a Planned Community homeowners association before turnover to lot owners. Sets the timing and conditions for transition. …

ORS 94.625

Formation of homeowners association →

Requires formation of a homeowners association no later than the conveyance of the first lot. Establishes how initial bylaws are adopted and how the bylaws …

ORS 94.665

Authority of association to sell, transfer, convey or encumber common property →

Sets owner-approval thresholds for association disposition of common property. Sale, transfer, or conveyance requires 80 percent of total votes including 80 percent of non-declarant lots. …

Legislative History
May 2017
HB 3056 → — Refinements to HOA assessment liens and foreclosure

Amends the planned-community assessment-lien statute (ORS 94.709) to clarify lien priority, notice-of-claim recordation, and post-judgment lien preservation. Establishes that a money judgment for unpaid assessments …

May 2017
HB 3057 → — Reserve study requirements for planned communities and condominiums

Expands reserve-study requirements for HOAs and condominium associations. Specifies required components and replacement-cost inputs, refines update cadence, and addresses how reserve assessments flow into the …

May 2021
SB 329 → — Modernizing planned community and condominium meetings, records, and board procedures

Amends multiple provisions of the Oregon Planned Community Act (ORS 94) and the Oregon Condominium Act (ORS 100). Reworks board director-removal procedures, electronic notice, executive …

Legal Facts by Category
The condominium exposure matches the planned-community one at ORS 94.712 (2)(a): the buyer takes the seller's unpaid assessments with the unit unless a written statement cuts them off. ORS 100.475 (3)(a)
An Oregon buyer takes the seller's unpaid assessments with the lot. This is the exposure the written statement in paragraph (b) exists to close, and it is the reason a title company orders one. ORS 94.712 (2)(a)
This is the Oregon condominium resale statement — word for word the planned-community provision at ORS 94.712 (2)(b), with 'unit' for 'lot'. It carries the estoppel, states no deadline, and authorizes no fee. ORS 100.475 (3)(b)
The condominium reliance right attaches to the subsection (3)(b) statement, not to the ORS 100.480 (8)(a) owner statement. ORS 100.475 (4)
The condominium document-maintenance list at ORS 100.480 (10) mirrors ORS 94.670 (10): governing documents, most recent annual financial statement, current operating budget, the ORS 100.175 reserve study, and architectural standards. ORS 100.480 (10)(a)
After a written request from a unit owner, the condominium association has 10 business days to deliver the subsection (10) documents. As in the planned-community act, the duty runs to the owner, not to a purchaser, escrow agent, or title company. ORS 100.480 (11)
A condominium association must prepare an annual financial statement — balance sheet plus income and expenses — within 90 days after fiscal year-end, and distribute a copy to each unit owner. ORS 100.480 (4)(a)
The condominium assessment statement is the exact text of the planned-community one at ORS 94.670 (8)(a), including the same 10-business-day deadline and the same exemption at (8)(b) while the association has a complaint pending against the owner. ORS 100.480 (8)(a)
The declaration must state any restrictions on the transfer or alienation of lots (e.g., rights of first refusal), with the option to incorporate restrictions from non-declaration documents by reference to county records. ORS 94.580 (2)(l)
The declaration must contain a statement of any restrictions on the use, maintenance, or occupancy of lots or units. ORS 94.580 (2)(o)
The association must keep current duplication-quality copies of the declaration, bylaws (with amendments), recorded plat, and rules and regulations. ORS 94.670 (10)(a)
The most recent annual financial statement prepared under subsection (4) must be kept available for duplication. ORS 94.670 (10)(b)
The current operating budget must be kept available for duplication. ORS 94.670 (10)(c)
Architectural standards and guidelines, where the association has them, are the fifth item on the subsection (10) list and carry the same 10-business-day furnishing duty under subsection (11). ORS 94.670 (10)(e)
After a written request from an owner, the association has 10 business days to deliver the documents listed in subsection (10) — declaration, bylaws, recorded plat, rules, financial statement, operating budget, reserve study, and architectural standards. ORS 94.670 (11)
Within 90 days after fiscal year-end the board must prepare an annual financial statement consisting of a balance sheet and an income and expenses statement. ORS 94.670 (4)(a)
On written request from an owner, the association must furnish within 10 business days a statement of regular and special assessments, fines, interest, and late charges due and unpaid, including the applicable interest and late-payment rates. ORS 94.670 (8)(a)
The 10-business-day duty to furnish a written statement of unpaid assessments is suspended while the association has a complaint pending against that owner. A request on a lot in litigation may go unanswered without breaching subsection (8)(a). ORS 94.670 (8)(b)
This is the Oregon planned-community resale statement. The request may come from the owner or the owner's agent, it is made for the benefit of a prospective purchaser, and it must state a through date. Its effect is estoppel: an assessment the statement omits cannot be collected from the buyer. The statute sets no deadline for delivering it and authorizes no fee for it. ORS 94.712 (2)(b)
The reliance right is what a title company is buying. It attaches to the subsection (2)(b) statement, not to the ORS 94.670 (8)(a) owner statement. ORS 94.712 (3)
Oregon's default association-meeting quorum is 20 percent of voting interests unless the declaration or bylaws set a higher threshold. ORS 94.655 (1)
If too few owners show up, the meeting can be adjourned and rescheduled until the quorum threshold is met. ORS 94.655 (2)
The condominium threshold and clock match the planned-community ones at ORS 94.670 (5): over $75,000 in annual assessments, an independent Oregon-licensed CPA review within 300 days of fiscal year-end. ORS 100.480 (5)
An Oregon planned community whose annual assessments exceed $75,000 must have the annual financial statement reviewed by an independent Oregon-licensed CPA within 300 days after fiscal year-end. The engagement is a review under the AICPA Statements on Standards for Accounting and Review Services, not an audit. ORS 94.670 (5)
An association at or under $75,000 in annual assessments has no standing review duty. A petition signed by a majority of owners starts a 300-day clock for the same CPA review. ORS 94.670 (6)
The CPA review can be waived for one year by an affirmative vote of at least 60 percent of the owners, excluding declarant-owned lots. The election is annual and does not carry forward. ORS 94.670 (7)
Every planned community created before January 1, 2002, plus any Class I community created on or after that date, is subject to the full Planned Community Act including the reserve requirements. ORS 94.570 (1)
A Class III planned community, or one that is entirely commercial or industrial, created on or after January 1, 2002 falls under the Act only when its own declaration opts in. ORS 94.570 (3)
Nothing in the Planned Community Act stops a condominium under ORS chapter 100 or a timeshare plan from being created within a planned community. ORS 94.570 (4)
The association must give notice of owner meetings between 10 and 50 days before the meeting date. ORS 94.650 (4)
The board must maintain hazard insurance — fire, extended coverage, vandalism, malicious mischief — on insurable common-property improvements at full replacement cost when reasonably available. ORS 94.675 (1)(a)
The board must maintain a public liability policy covering all common property and damage or injury caused by association negligence. ORS 94.675 (1)(b)
ORS 94.670 sets no dollar cap on what an association may charge for copies. It conditions the charge on two things: the fee must be reasonable, and the rules imposing it must be adopted by board resolution. Reasonable personnel costs may be included. ORS 94.670 (12)
Records outside the subsection (10) list reach an owner through this inspection right, which is measured by reasonableness and carries no fixed deadline. Only the subsection (10) documents carry the 10-business-day furnishing clock in subsection (11). ORS 94.670 (9)(a)
Oregon condominium boards must determine reserve account requirements every year — either by commissioning a fresh reserve study or by reviewing and updating the existing one. There is no statutory N-year professional or visual inspection cadence; the cadence is annual. ORS 100.175 (3)(a)
A Class II planned community created on or after January 1, 2002 is governed by the Planned Community Act, but ORS 94.595 and ORS 94.604 are carved out. ORS 94.595 is the reserve account, reserve study, and maintenance plan section — so these communities have no statutory reserve study obligation at all. ORS 94.570 (2)
Oregon planned community boards must determine reserve account requirements every year — either by commissioning a fresh reserve study or by reviewing and updating the existing one. There is no statutory N-year professional or visual inspection cadence; the cadence is annual. ORS 94.595 (3)
The board must keep the maintenance plan current and update it whenever circumstances change. There is no fixed update interval beyond "as necessary." The sentence is at ORS 94.595 (4)(b); subsection (4) as a whole is the maintenance plan provision, with the duty to prepare one at (4)(a). ORS 94.595 (4)
The maintenance plan covers everything the association is responsible for maintaining. Subsection (4)(a) requires the plan to describe the work, include a schedule, be appropriate to the size and complexity of the association, and address warranties and the useful life of the items covered. ORS 94.595 (4)(a)
The reserve study described in ORS 94.595 must be kept available for duplication. ORS 94.670 (10)(d)
Legal references last verified September 8, 2026. This content is educational and informational. It does not constitute legal advice. Consult a licensed attorney in your state for legal guidance specific to your situation.
Login