Is my home owner's assoc. allowed to add lien fees of 4X the amount due--w/o a final notice of payment due?

Answer 1

They can add a lien of total amount due, this would include penalties and late fees. In most areas they would have to at least make an attempt to collect the debt although laws vary by location. Once they give you a past due notice, a lien if usually fair game.

Answer 2

Probably, but the final answer could only be determined by reading your condo's documents, to see if that's authorized by the association itself, and by referring to state law to see if that's considered excessive. It's pretty common around here, I can tell you that much.