Posts tagged FDCPA
Step-By-Step Guide To The HOA Assessment Collections Process
Step-By-Step Guide To The HOA Assessment Collections Process

When you purchase a property in a community with a homeowners’ association, you’re also acquiring the obligation to pay regular assessments. Unfortunately, though, homeowners are sometimes financially unable to pay assessments. Homeowners faced with potential collections action must understand how the HOA collections process works and the legal rights and redress available for both homeowners and the association. This guide will help all community members, including the board, resolve conflict, and avoid escalation.

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Assessment CollectionChristopher R. Moore, Esq.HOA Lien, Lawsuit, FDCPA
Understanding The Ins and Outs of HOA Fees
Understanding The Ins and Outs of HOA Fees

Homeowners’ associations typically are formed to manage any property in the community that is owned communally, as opposed to individually, such as a playground or building hallways.  Whether an HOA is made up of a condominium building, townhouses, or single-family homes, the responsibilities generally include the same type of tasks – maintain landscaping, employ property managers, maintain shared private roads or driveways, arrange trash removal, operate a swimming pool, and the like. This article will help you better understand the ins and outs of HOA fees. 

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AssessmentsTamra Ferguson, Esq.HOA Fees, FDCPA, HOA Collections, HOA Lien
Understand The Law That Protects Owners From Abusive HOA Debt Collection Practices
Understand The Law That Protects Owners From Abusive HOA Debt Collection Practices

In 1977, Congress passed the federal Fair Debt Collection Practices Act (the “FDCPA” or “Act”) to prevent abusive, deceptive, and unfair debt collection practices by debt collectors. The act prohibits debt collectors from harassing consumers or using deceptive conduct when attempting to collect a debt. Homeowners or condominium maintenance assessments are subject to the FDCPA, therefore, the association’s debt collectors must follow the law when attempting to collect past due fees from homeowners.

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Assessment CollectionTammy Y. HayesFDCPA, Collection Fees & Costs, Late Fees & Interest, Required Notices, Prohibited Abuse or Harassment Tactics