Property Ownership
A Rhode Island homeowner's association (HOA) assessment lien for unpaid dues is generally:
ASuperior to all other liens including first mortgages
BJunior to the first mortgage but senior to unsecured debt✓ Correct
CUnenforceable unless recorded at the county level
DOnly collectible through small claims court
Explanation
In Rhode Island, an HOA assessment lien is generally junior to the first mortgage but senior to most unsecured creditors. The exact priority depends on the recorded declaration and applicable statutes.
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