You probably have to pay them, since they were not <a href="http://ekvnpgmn.com">cotlecled</a> at closing.  If you have the HUD 1 settlement statement, and an amount is not reflected for HOA, then it was not a part of you closing cost, and you are right the title company did not do their job, however it may not have been a condition of your new lender.  Just a clerical error and it was overlooked.  As far as making payment arrangements that up to the assoc., discuss with them..if they are stubborn, think about refinancing to cover your arrears, maybe get a lower rate.email me we can discuss your options. jimbobmrjimn@yahoo.
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