If you're in Miami-Dade or Broward and you just opened certified mail from your HOA, the pressure feels immediate. You're wondering whether this is just another collection notice, whether you can still sell, and whether the association can take the house. An HOA lien is more than an unpaid bill. It is a legal claim against your property title for unpaid assessments and related charges. That changes refinancing, title transfer, and any sale strategy. It also puts you on a clock. At a Glance An HOA lien…