Four types of creditors can still force the sale of a homestead to collect debts owed to them.
- The State of Florida and its counties or municipalities, to collect past due property taxes;
- Parties to whom the property was specifically pledged as credit for a mortgage;
- Mechanics who are owed money for work performed in repairing or improving the property.
- Any creditor with a lien that pre-dates the establishment of homestead. This usually includes condominium and mandatory homeowner association liens, depending on the language and age of the covenants.